The Lowell Five Cent Savings 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.
Total interest expense rose 6.4% from Q1 2026 to Q2 2026, ending at $8.9M against $8.4M. It was the largest change among the key lines on this page. The Lowell Five Cent Savings Bank ranks 15th of 89 Massachusetts banks on net interest margin, in the upper half at 3.71% (Q2 2026). At 3.71%, The Lowell Five Cent Savings Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 3.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.0M |
| Total interest expense | $8.9M |
| Interest expense on deposits | $8.9M |
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 |
|---|---|---|---|
| Q3 2023 | 4.87% | 1.37% | 3.61% |
| Q4 2023 | 4.95% | 1.62% | 3.48% |
| Q1 2024 | 4.90% | 1.88% | 3.22% |
| Q2 2024 | 5.05% | 2.09% | 3.22% |
| Q3 2024 | 5.19% | 2.16% | 3.24% |
| Q4 2024 | 5.36% | 2.17% | 3.40% |
| Q1 2025 | 5.31% | 2.15% | 3.36% |
| Q2 2025 | 5.58% | 2.20% | 3.60% |
| Q3 2025 | 5.60% | 2.18% | 3.61% |
| Q4 2025 | 5.73% | 2.20% | 3.75% |
| Q1 2026 | 5.54% | 2.14% | 3.61% |
| Q2 2026 | 5.69% | 2.20% | 3.71% |
The Lowell Five Cent Savings 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 The Lowell Five Cent Savings 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 The Lowell Five Cent Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90227) · FFIEC NIC profile (RSSD 923707)