Greenfield 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 2.4%, from $2.7M to $2.8M, the largest move among the key lines here. Within Massachusetts, Greenfield Co-Operative Bank is 32nd of 89 on net interest margin, 3.25% as of Q2 2026, above the middle of the field. Greenfield Co-Operative Bank reported 3.25% on net interest margin for Q2 2026, 0.70 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | 5.26% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.68% |
| Cost of interest-bearing liabilities | 1.68% |
| Cost of borrowings | 1.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.25% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.0M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.8M |
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 | 4.17% | 0.96% | 3.30% | 4.55% | 2.90% |
| Q4 2023 | 4.25% | 1.13% | 3.23% | 4.65% | 2.97% |
| Q1 2024 | 4.27% | 1.32% | 3.08% | 4.72% | 3.00% |
| Q2 2024 | 4.34% | 1.53% | 2.97% | 4.78% | 3.05% |
| Q3 2024 | 4.47% | 1.64% | 3.00% | 4.97% | 3.10% |
| Q4 2024 | 4.50% | 1.69% | 2.98% | 5.05% | 3.09% |
| Q1 2025 | 4.44% | 1.64% | 2.97% | 5.01% | 3.05% |
| Q2 2025 | 4.57% | 1.61% | 3.12% | 5.13% | 3.22% |
| Q3 2025 | 4.59% | 1.62% | 3.13% | 5.20% | 3.13% |
| Q4 2025 | 4.55% | 1.56% | 3.15% | 5.20% | 3.16% |
| Q1 2026 | 4.51% | 1.47% | 3.18% | 5.17% | 3.17% |
| Q2 2026 | 4.58% | 1.48% | 3.25% | 5.26% | 3.19% |
Greenfield 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 Greenfield 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 Greenfield Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26397) · FFIEC NIC profile (RSSD 326979)