East Cambridge Savings 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.
Compared with Q1 2026, Net interest margin rose 0.22 percentage points in Q2 2026 to 2.68%, the biggest move on this page. Within Massachusetts, East Cambridge Savings Bank is 69th of 89 on net interest margin, 2.68% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. East Cambridge Savings Bank sits 1.03 points lower, at 2.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.69% |
| Yield on loans | 4.97% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 4.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.68% |
| Yield to cost spread | 2.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.1M |
| Total interest expense | $8.0M |
| Interest expense on deposits | $6.4M |
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 | 4.31% | 2.20% | 2.36% | 4.50% | 2.45% |
| Q4 2023 | 4.40% | 2.36% | 2.29% | 4.61% | 2.55% |
| Q1 2024 | 4.41% | 2.48% | 2.14% | 4.60% | 2.61% |
| Q2 2024 | 4.47% | 2.67% | 2.04% | 4.66% | 2.67% |
| Q3 2024 | 4.58% | 2.78% | 2.03% | 4.73% | 2.74% |
| Q4 2024 | 4.54% | 2.73% | 2.07% | 4.74% | 2.77% |
| Q1 2025 | 4.55% | 2.48% | 2.26% | 4.75% | 2.90% |
| Q2 2025 | 4.61% | 2.45% | 2.35% | 4.82% | 3.23% |
| Q3 2025 | 4.68% | 2.38% | 2.43% | 4.93% | 3.26% |
| Q4 2025 | 4.62% | 2.43% | 2.39% | 4.89% | 3.32% |
| Q1 2026 | 4.54% | 2.32% | 2.46% | 4.87% | 2.89% |
| Q2 2026 | 4.69% | 2.23% | 2.68% | 4.97% | 3.08% |
East Cambridge Savings 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 East Cambridge Savings 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 East Cambridge Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90173) · FFIEC NIC profile (RSSD 738303)