Haverhill 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 2.67%. Haverhill Bank ranks 70th of 89 Massachusetts banks on net interest margin, in the lower half at 2.67% (Q2 2026). Haverhill Bank reported 2.67% on net interest margin for Q2 2026, 1.28 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.68% |
| Yield on loans | 5.36% |
| Yield on securities | 2.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.27% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.67% |
| Yield to cost spread | 2.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $2.6M |
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 | 4.14% | 1.98% | 2.33% | 4.63% | 2.50% |
| Q4 2023 | 4.26% | 2.21% | 2.26% | 4.74% | 2.56% |
| Q1 2024 | 4.30% | 2.46% | 2.08% | 4.83% | 2.52% |
| Q2 2024 | 4.41% | 2.60% | 2.05% | 4.92% | 2.62% |
| Q3 2024 | 4.49% | 2.74% | 2.02% | 5.06% | 2.56% |
| Q4 2024 | 4.48% | 2.72% | 2.07% | 5.09% | 2.45% |
| Q1 2025 | 4.49% | 2.60% | 2.14% | 5.06% | 2.54% |
| Q2 2025 | 4.59% | 2.49% | 2.34% | 5.17% | 2.57% |
| Q3 2025 | 4.70% | 2.51% | 2.44% | 5.34% | 2.56% |
| Q4 2025 | 4.67% | 2.37% | 2.55% | 5.31% | 2.48% |
| Q1 2026 | 4.58% | 2.27% | 2.55% | 5.21% | 2.50% |
| Q2 2026 | 4.68% | 2.27% | 2.67% | 5.36% | 2.53% |
Haverhill 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 Haverhill 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 Haverhill Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26411) · FFIEC NIC profile (RSSD 109574)