Main Street 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.49 percentage points to 3.67%. Main Street Bank ranks 49th of 89 Massachusetts banks on net interest margin, in the lower half at 2.94% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Main Street Bank sits 0.77 points lower, at 2.94% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 5.41% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | 5.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.94% |
| Yield to cost spread | 2.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.2M |
| Total interest expense | $8.4M |
| Interest expense on deposits | $7.3M |
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 | 4.82% | 1.99% | 2.61% | 5.13% | 3.49% |
| Q4 2023 | 5.07% | 2.25% | 2.59% | 5.35% | 3.82% |
| Q1 2024 | 4.97% | 2.24% | 2.49% | 5.34% | 3.42% |
| Q2 2024 | 5.08% | 2.29% | 2.56% | 5.43% | 3.55% |
| Q3 2024 | 5.15% | 2.85% | 2.56% | 5.43% | 3.11% |
| Q4 2024 | 4.97% | 2.76% | 2.48% | 5.33% | 2.60% |
| Q1 2025 | 4.99% | 2.61% | 2.62% | 5.36% | 2.54% |
| Q2 2025 | 5.04% | 2.54% | 2.75% | 5.42% | 2.38% |
| Q3 2025 | 5.17% | 2.58% | 2.85% | 5.58% | 3.35% |
| Q4 2025 | 5.31% | 2.50% | 3.11% | 5.50% | 4.48% |
| Q1 2026 | 5.00% | 2.38% | 2.96% | 5.41% | 3.18% |
| Q2 2026 | 5.00% | 2.41% | 2.94% | 5.41% | 3.67% |
Main Street 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 Main Street 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 Main Street Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90235) · FFIEC NIC profile (RSSD 818401)