Dean Co-Operative 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, Total interest expense edged up by 2.3%, from $1.6M to $1.6M, the largest move among the key lines here. Dean Co-Operative Bank ranks 33rd of 89 Massachusetts banks on net interest margin, in the upper half at 3.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Dean Co-Operative Bank sits 0.73 points lower, at 3.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.53% |
| Yield on loans | 5.15% |
| Yield on securities | 2.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.39% |
| Cost of interest-bearing deposits | 1.65% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.2M |
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 | 3.84% | 1.11% | 2.78% | 4.44% | 2.31% |
| Q4 2023 | 3.95% | 1.34% | 2.67% | 4.54% | 2.39% |
| Q1 2024 | 4.00% | 1.45% | 2.61% | 4.61% | 2.38% |
| Q2 2024 | 4.08% | 1.54% | 2.61% | 4.68% | 2.41% |
| Q3 2024 | 4.12% | 1.63% | 2.58% | 4.76% | 2.38% |
| Q4 2024 | 4.21% | 1.66% | 2.62% | 4.80% | 2.47% |
| Q1 2025 | 4.25% | 1.53% | 2.79% | 4.85% | 2.56% |
| Q2 2025 | 4.34% | 1.54% | 2.86% | 4.91% | 2.60% |
| Q3 2025 | 4.40% | 1.52% | 2.96% | 5.01% | 2.60% |
| Q4 2025 | 4.46% | 1.52% | 3.02% | 5.08% | 2.59% |
| Q1 2026 | 4.46% | 1.39% | 3.14% | 5.10% | 2.61% |
| Q2 2026 | 4.53% | 1.39% | 3.22% | 5.15% | 2.65% |
Dean Co-Operative 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 Dean Co-Operative 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 Dean Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27269) · FFIEC NIC profile (RSSD 271275)