Country Bank for Savings: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.20 percentage points to 3.43%. Within Massachusetts, Country Bank for Savings is 23rd of 89 on net interest margin, 3.43% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Country Bank for Savings sits 0.28 points lower, at 3.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.6M |
| Total interest expense | $9.7M |
| Interest expense on deposits | $7.7M |
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 | 4.58% | 1.78% | 3.07% |
| Q4 2023 | 4.63% | 1.98% | 2.95% |
| Q1 2024 | 4.62% | 2.15% | 2.79% |
| Q2 2024 | 4.68% | 2.24% | 2.77% |
| Q3 2024 | 4.82% | 2.40% | 2.77% |
| Q4 2024 | 4.84% | 2.21% | 2.96% |
| Q1 2025 | 4.78% | 2.09% | 3.00% |
| Q2 2025 | 4.97% | 2.20% | 3.07% |
| Q3 2025 | 5.10% | 2.22% | 3.18% |
| Q4 2025 | 5.12% | 2.16% | 3.26% |
| Q1 2026 | 5.00% | 2.04% | 3.23% |
| Q2 2026 | 5.19% | 2.03% | 3.43% |
Country Bank for Savings yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Country Bank for Savings, 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 Country Bank for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23992) · FFIEC NIC profile (RSSD 689209)