Fidelity Personal Trust Company, F.S.B.: 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.
Yield to cost spread dropped 0.81 percentage points in Q2 2026, from -0.07% to -0.88%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Fidelity Personal Trust Company, F.S.B. is 9th of 89 on net interest margin, 3.88% as of Q2 2026. At 3.88%, Fidelity Personal Trust Company, F.S.B.'s net interest margin is close to the 3.88% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.92% |
| Yield on loans | — |
| Yield on securities | 3.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.80% |
| Cost of interest-bearing deposits | 4.80% |
| Cost of interest-bearing liabilities | 4.80% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | -0.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $6K |
| Interest expense on deposits | $6K |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 4.29% | 1.60% | 4.28% | 4.29% |
| Q4 2023 | 4.35% | 0.80% | 4.35% | 4.35% |
| Q1 2024 | 4.60% | 0.80% | 4.60% | 4.60% |
| Q2 2024 | 4.93% | 0.80% | 4.92% | 4.93% |
| Q3 2024 | 4.84% | 1.60% | 4.83% | 4.84% |
| Q4 2024 | 5.14% | 0.80% | 5.13% | 5.14% |
| Q1 2025 | 4.30% | 4.00% | 4.27% | 4.30% |
| Q2 2025 | 4.19% | 4.00% | 4.16% | 4.19% |
| Q3 2025 | 4.18% | 4.80% | 4.14% | 4.18% |
| Q4 2025 | 5.09% | 4.00% | 5.06% | 5.09% |
| Q1 2026 | 3.93% | 4.00% | 3.89% | 3.93% |
| Q2 2026 | 3.92% | 4.80% | 3.88% | 3.92% |
Fidelity Personal Trust Company, F.S.B. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Personal Trust Company, F.S.B., 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 Fidelity Personal Trust Company, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35206) · FFIEC NIC profile (RSSD 2914268)