Coastal Heritage 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, Net interest margin edged up by 0.12 percentage points, from 2.76% to 2.88%, the largest move among the key lines here. Coastal Heritage Bank ranks 52nd of 89 Massachusetts banks on net interest margin, in the lower half at 2.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Coastal Heritage Bank sits 1.07 points lower, at 2.88% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.16% |
| Yield on securities | 2.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 4.15% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.88% |
| Yield to cost spread | 2.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.8M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $3.4M |
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 | 4.47% | 1.96% | 2.66% | 4.91% | 1.77% |
| Q4 2023 | 4.57% | 2.27% | 2.48% | 5.02% | 1.77% |
| Q1 2024 | 4.56% | 2.35% | 2.39% | 5.01% | 1.75% |
| Q2 2024 | 4.66% | 2.37% | 2.47% | 5.12% | 1.79% |
| Q3 2024 | 4.70% | 2.37% | 2.52% | 5.15% | 1.74% |
| Q4 2024 | 4.69% | 2.29% | 2.59% | 5.10% | 1.87% |
| Q1 2025 | 4.50% | 2.21% | 2.46% | 4.91% | 1.84% |
| Q2 2025 | 4.63% | 2.19% | 2.62% | 5.02% | 1.93% |
| Q3 2025 | 4.76% | 2.16% | 2.81% | 5.16% | 2.20% |
| Q4 2025 | 4.74% | 2.12% | 2.83% | 5.13% | 2.12% |
| Q1 2026 | 4.62% | 2.06% | 2.76% | 5.07% | 2.05% |
| Q2 2026 | 4.73% | 2.03% | 2.88% | 5.16% | 2.14% |
Coastal Heritage 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 Coastal Heritage 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 Coastal Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26591) · FFIEC NIC profile (RSSD 115575)