Institution for Savings in Newburyport and Its Vicinity: 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: Yield on securities edged down 0.15 percentage points between Q1 2026 and Q2 2026, to 3.10%. On net interest margin, Institution for Savings in Newburyport and Its Vicinity is 3rd from the bottom among 89 Massachusetts banks, 1.36% (Q2 2026). Against a median of 3.71% for banks in the $1B-10B asset tier, Institution for Savings in Newburyport and Its Vicinity reported 1.36% on net interest margin in Q2 2026, 2.35 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.24% |
| Yield on loans | 4.39% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.10% |
| Cost of interest-bearing deposits | 2.95% |
| Cost of interest-bearing liabilities | 3.19% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.36% |
| Yield to cost spread | 1.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $46.4M |
| Total interest expense | $36.3M |
| Interest expense on deposits | $23.2M |
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 | 3.67% | 2.69% | 1.18% | 3.67% | 2.89% |
| Q4 2023 | 3.73% | 2.94% | 1.02% | 3.77% | 2.69% |
| Q1 2024 | 3.84% | 3.04% | 1.03% | 3.89% | 3.02% |
| Q2 2024 | 3.89% | 3.12% | 1.01% | 3.95% | 2.81% |
| Q3 2024 | 4.02% | 3.29% | 0.97% | 4.08% | 3.08% |
| Q4 2024 | 4.06% | 3.35% | 0.96% | 4.15% | 2.91% |
| Q1 2025 | 4.04% | 3.15% | 1.09% | 4.11% | 3.15% |
| Q2 2025 | 4.08% | 3.13% | 1.16% | 4.17% | 3.18% |
| Q3 2025 | 4.20% | 3.20% | 1.22% | 4.31% | 3.11% |
| Q4 2025 | 4.22% | 3.19% | 1.23% | 4.35% | 3.10% |
| Q1 2026 | 4.18% | 3.09% | 1.30% | 4.31% | 3.25% |
| Q2 2026 | 4.24% | 3.10% | 1.36% | 4.39% | 3.10% |
Institution for Savings in Newburyport and Its Vicinity yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Institution for Savings in Newburyport and Its Vicinity, 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 Institution for Savings in Newburyport and Its Vicinity profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90250) · FFIEC NIC profile (RSSD 272302)