Cape Cod Five Cents Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 1.4% between Q1 2026 and Q2 2026, to $23.7M. Within Massachusetts, Cape Cod Five Cents Savings Bank is 58th of 89 on net interest margin, 2.79% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Cape Cod Five Cents Savings Bank sits 0.92 points lower, at 2.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.61% |
| Yield on loans | 4.69% |
| Yield on securities | 3.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | 3.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.79% |
| Yield to cost spread | 2.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $51.6M |
| Total interest expense | $23.7M |
| Interest expense on deposits | $19.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.30% | 2.01% | 2.40% | 4.41% | 2.89% |
| Q4 2023 | 4.48% | 2.21% | 2.39% | 4.58% | 3.10% |
| Q1 2024 | 4.50% | 2.48% | 2.15% | 4.58% | 3.31% |
| Q2 2024 | 4.68% | 2.62% | 2.18% | 4.78% | 3.47% |
| Q3 2024 | 4.91% | 2.63% | 2.40% | 4.95% | 3.75% |
| Q4 2024 | 4.78% | 2.56% | 2.36% | 4.83% | 3.74% |
| Q1 2025 | 4.69% | 2.32% | 2.51% | 4.75% | 3.63% |
| Q2 2025 | 4.73% | 2.23% | 2.64% | 4.75% | 4.15% |
| Q3 2025 | 4.75% | 2.10% | 2.79% | 4.80% | 4.07% |
| Q4 2025 | 4.77% | 2.04% | 2.85% | 4.75% | 4.43% |
| Q1 2026 | 4.58% | 1.98% | 2.73% | 4.64% | 3.77% |
| Q2 2026 | 4.61% | 1.93% | 2.79% | 4.69% | 3.81% |
Cape Cod Five Cents Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cape Cod Five Cents Savings Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cape Cod Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23287) · FFIEC NIC profile (RSSD 664206)