Maine Community 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 4.0% from Q1 2026 to Q2 2026, ending at $13.5M against $12.9M. It was the largest change among the key lines on this page. Within Maine, Maine Community Bank is 9th of 22 on net interest margin, 3.67% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Maine Community Bank reported 3.67% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | 6.08% |
| Yield on securities | 2.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $36.7M |
| Total interest expense | $13.5M |
| Interest expense on deposits | $10.5M |
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 | 4.62% | 1.72% | 3.08% | 4.90% | 2.33% |
| Q4 2023 | 4.77% | 1.97% | 3.01% | 5.03% | 2.59% |
| Q1 2024 | 4.86% | 2.15% | 2.93% | 5.11% | 2.68% |
| Q2 2024 | 5.08% | 2.28% | 3.00% | 5.34% | 2.77% |
| Q3 2024 | 5.19% | 2.37% | 3.06% | 5.45% | 2.80% |
| Q4 2024 | 5.21% | 2.33% | 3.11% | 5.46% | 2.93% |
| Q1 2025 | 5.46% | 2.23% | 3.42% | 5.93% | 2.49% |
| Q2 2025 | 5.69% | 2.09% | 3.65% | 6.18% | 2.16% |
| Q3 2025 | 5.65% | 2.03% | 3.67% | 6.15% | 2.25% |
| Q4 2025 | 5.58% | 1.97% | 3.66% | 6.05% | 2.19% |
| Q1 2026 | 5.46% | 1.96% | 3.55% | 5.93% | 2.06% |
| Q2 2026 | 5.61% | 2.01% | 3.67% | 6.08% | 2.12% |
Maine Community 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 Maine Community 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 Maine Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17741) · FFIEC NIC profile (RSSD 499501)