Commonwealth Cooperative 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: Net interest margin edged up 0.06 percentage points between Q1 2026 and Q2 2026, to 2.83%. Commonwealth Cooperative Bank ranks 56th of 89 Massachusetts banks on net interest margin, in the lower half at 2.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Commonwealth Cooperative Bank sits 1.12 points lower, at 2.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 5.58% |
| Yield on securities | 3.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.83% |
| Yield to cost spread | 2.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $986K |
| Interest expense on deposits | $667K |
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 | 4.91% | 2.29% | 2.86% | 5.52% | 3.27% |
| Q4 2023 | 4.99% | 2.43% | 2.82% | 5.55% | 3.35% |
| Q1 2024 | 4.80% | 2.43% | 2.66% | 5.38% | 3.22% |
| Q2 2024 | 4.82% | 2.58% | 2.52% | 5.36% | 3.28% |
| Q3 2024 | 4.88% | 2.84% | 2.36% | 5.49% | 3.18% |
| Q4 2024 | 4.85% | 2.65% | 2.44% | 5.49% | 3.17% |
| Q1 2025 | 4.98% | 2.40% | 2.78% | 5.67% | 3.25% |
| Q2 2025 | 4.93% | 2.44% | 2.78% | 5.56% | 3.21% |
| Q3 2025 | 4.98% | 2.52% | 2.77% | 5.62% | 3.20% |
| Q4 2025 | 4.88% | 2.44% | 2.76% | 5.56% | 3.05% |
| Q1 2026 | 4.79% | 2.31% | 2.77% | 5.51% | 2.99% |
| Q2 2026 | 4.82% | 2.29% | 2.83% | 5.58% | 3.02% |
Commonwealth Cooperative 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 Commonwealth Cooperative 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 Commonwealth Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29842) · FFIEC NIC profile (RSSD 275479)