Eagle 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, Cost of borrowings edged down by 0.24 percentage points, from 4.09% to 3.86%, the largest move among the key lines here. Eagle Bank ranks 24th of 89 Massachusetts banks on net interest margin, in the upper half at 3.42% (Q2 2026). Eagle Bank reported 3.42% on net interest margin for Q2 2026, 0.52 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 5.91% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.67% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $3.4M |
| 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 | 4.53% | 1.94% | 2.72% | 5.08% | 2.26% |
| Q4 2023 | 4.70% | 2.20% | 2.65% | 5.24% | 2.30% |
| Q1 2024 | 4.87% | 2.54% | 2.49% | 5.37% | 2.31% |
| Q2 2024 | 4.97% | 2.59% | 2.57% | 5.47% | 2.35% |
| Q3 2024 | 5.09% | 2.62% | 2.64% | 5.58% | 2.39% |
| Q4 2024 | 5.21% | 2.38% | 2.98% | 5.69% | 2.38% |
| Q1 2025 | 5.19% | 2.24% | 3.09% | 5.65% | 2.38% |
| Q2 2025 | 5.38% | 2.27% | 3.24% | 5.82% | 2.57% |
| Q3 2025 | 5.50% | 2.33% | 3.32% | 5.96% | 2.46% |
| Q4 2025 | 5.49% | 2.32% | 3.30% | 5.94% | 2.46% |
| Q1 2026 | 5.52% | 2.18% | 3.43% | 5.95% | 2.64% |
| Q2 2026 | 5.50% | 2.21% | 3.42% | 5.91% | 2.76% |
Eagle 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 Eagle 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 Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90191) · FFIEC NIC profile (RSSD 197302)