Everett Co-Operative Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Everett Co-Operative Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.58% in Q3 2026, up 0.18 percentage points from 5.40% in Q3 2025. Across the 12 quarters shown it ranged from 4.92% (Q4 2023) to 5.58% (Q3 2026).
Compared with Q2 2026, Yield on securities rose 0.53 percentage points in Q3 2026 to 4.97%, the biggest move on this page. Everett Co-Operative Bank ranks 77th of 88 Massachusetts banks on net interest margin, in the lower half at 2.58% (Q3 2026). The median for banks in the $1B-10B asset tier is 3.79% on net interest margin. Everett Co-Operative Bank sits 1.21 points lower, at 2.58% (Q3 2026).
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 5.77% |
| Yield on securities | 4.97% |
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Funding costs
Cost of interest-bearing deposits moved most in this table, down 0.09 points: 3.41% in Q2 2026, 3.32% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 3.31% |
| Cost of interest-bearing deposits | 3.32% |
| Cost of interest-bearing liabilities | 3.54% |
| Cost of borrowings | 4.00% |
Spread and margin
Largest change in this table: net interest margin, up 0.13 points to 2.58% in Q3 2026 after 2.45% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 2.58% |
| Yield to cost spread | 2.04% |
Interest income and expense
Total interest expense moved most in this table, up 1.8%: $12.2M in Q2 2026, $12.4M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $20.6M |
| Total interest expense | $12.4M |
| Interest expense on deposits | $9.3M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 4.92% | 3.37% | 1.90% | 5.01% | 2.68% |
| Q1 2024 | 4.99% | 3.52% | 1.83% | 5.09% | 2.76% |
| Q2 2024 | 5.08% | 3.62% | 1.82% | 5.17% | 2.84% |
| Q3 2024 | 5.19% | 3.71% | 1.86% | 5.30% | 3.02% |
| Q4 2024 | 5.23% | 3.64% | 1.95% | 5.40% | 3.19% |
| Q1 2025 | 5.05% | 3.51% | 1.87% | 5.23% | 3.31% |
| Q2 2025 | 5.25% | 3.51% | 2.07% | 5.42% | 3.69% |
| Q3 2025 | 5.40% | 3.52% | 2.21% | 5.58% | 3.91% |
| Q4 2025 | 5.46% | 3.44% | 2.34% | 5.64% | 4.13% |
| Q1 2026 | 5.47% | 3.31% | 2.46% | 5.67% | 4.34% |
| Q2 2026 | 5.46% | 3.30% | 2.45% | 5.67% | 4.44% |
| Q3 2026 | 5.58% | 3.31% | 2.58% | 5.77% | 4.97% |
Everett Co-Operative Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Everett Co-Operative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26444) · FFIEC NIC profile (RSSD 952172)