Charles River 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.
In Q2 2026, Yield on securities edged up by 0.17 percentage points, from 2.28% to 2.45%, the largest move among the key lines here. Charles River Bank ranks 31st of 89 Massachusetts banks on net interest margin, in the upper half at 3.26% (Q2 2026). Charles River Bank reported 3.26% on net interest margin for Q2 2026, 0.68 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.76% |
| Yield on loans | 5.46% |
| Yield on securities | 2.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.10% | 1.07% | 3.09% | 4.71% | 2.03% |
| Q4 2023 | 4.18% | 1.30% | 3.00% | 4.77% | 2.03% |
| Q1 2024 | 4.31% | 1.30% | 3.06% | 4.88% | 2.03% |
| Q2 2024 | 4.37% | 1.42% | 2.99% | 4.96% | 2.02% |
| Q3 2024 | 4.49% | 1.55% | 2.99% | 5.07% | 2.02% |
| Q4 2024 | 4.46% | 1.63% | 2.90% | 5.08% | 2.09% |
| Q1 2025 | 4.46% | 1.61% | 2.90% | 5.07% | 2.15% |
| Q2 2025 | 4.63% | 1.59% | 3.09% | 5.26% | 2.16% |
| Q3 2025 | 4.77% | 1.60% | 3.22% | 5.39% | 2.25% |
| Q4 2025 | 4.86% | 1.58% | 3.34% | 5.54% | 2.28% |
| Q1 2026 | 4.68% | 1.55% | 3.19% | 5.36% | 2.28% |
| Q2 2026 | 4.76% | 1.55% | 3.26% | 5.46% | 2.45% |
Charles River 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 Charles River 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 Charles River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26602) · FFIEC NIC profile (RSSD 947776)