The 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 2.86% to 2.96%, the largest move among the key lines here. Within Massachusetts, The Cooperative Bank is 48th of 89 on net interest margin, 2.96% as of Q2 2026, below the middle of the field. The Cooperative Bank reported 2.96% on net interest margin for Q2 2026, 0.99 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 4.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.96% |
| Yield to cost spread | 2.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.3M |
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 |
|---|---|---|---|
| Q3 2023 | 4.68% | 2.39% | 2.50% |
| Q4 2023 | 4.75% | 2.47% | 2.43% |
| Q1 2024 | 4.71% | 2.44% | 2.40% |
| Q2 2024 | 4.80% | 2.50% | 2.44% |
| Q3 2024 | 4.76% | 2.48% | 2.41% |
| Q4 2024 | 4.82% | 2.35% | 2.61% |
| Q1 2025 | 4.76% | 2.26% | 2.63% |
| Q2 2025 | 4.80% | 2.25% | 2.67% |
| Q3 2025 | 4.84% | 2.25% | 2.73% |
| Q4 2025 | 4.87% | 2.21% | 2.80% |
| Q1 2026 | 4.87% | 2.13% | 2.86% |
| Q2 2026 | 4.97% | 2.13% | 2.96% |
The 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 The 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 The Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26922) · FFIEC NIC profile (RSSD 714978)