Clinton 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.
Total interest expense rose 4.2% from Q1 2026 to Q2 2026, ending at $3.2M against $3.1M. It was the largest change among the key lines on this page. Within Massachusetts, Clinton Savings Bank is 55th of 89 on net interest margin, 2.84% as of Q2 2026, below the middle of the field. Clinton Savings Bank reported 2.84% on net interest margin for Q2 2026, 1.11 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.65% |
| Yield on loans | 5.21% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.84% |
| Yield to cost spread | 2.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $2.4M |
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 | 4.22% | 1.45% | 2.74% | 4.73% | 2.70% |
| Q4 2023 | 4.25% | 1.70% | 2.53% | 4.75% | 2.74% |
| Q1 2024 | 4.30% | 1.88% | 2.40% | 4.80% | 2.74% |
| Q2 2024 | 4.37% | 1.99% | 2.37% | 4.90% | 2.69% |
| Q3 2024 | 4.46% | 2.11% | 2.32% | 5.00% | 2.75% |
| Q4 2024 | 4.48% | 2.09% | 2.37% | 5.02% | 2.76% |
| Q1 2025 | 4.46% | 2.05% | 2.40% | 4.99% | 2.81% |
| Q2 2025 | 4.56% | 1.88% | 2.67% | 5.07% | 2.98% |
| Q3 2025 | 4.55% | 1.91% | 2.64% | 5.13% | 2.77% |
| Q4 2025 | 4.68% | 1.89% | 2.79% | 5.24% | 2.98% |
| Q1 2026 | 4.65% | 1.72% | 2.92% | 5.19% | 3.04% |
| Q2 2026 | 4.65% | 1.80% | 2.84% | 5.21% | 3.05% |
Clinton 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 Clinton 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 Clinton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90181) · FFIEC NIC profile (RSSD 179700)