Marblehead 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.
In Q2 2026, Yield on securities edged up by 0.21 percentage points, from 3.66% to 3.87%, the largest move among the key lines here. On net interest margin, Marblehead Bank ranks 6th highest among the 89 banks headquartered in Massachusetts, at 3.97% (Q2 2026). At 3.97%, Marblehead Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.80% |
| Yield on loans | 4.99% |
| Yield on securities | 3.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.90% |
| Cost of interest-bearing deposits | 1.09% |
| Cost of interest-bearing liabilities | 1.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $522K |
| Interest expense on deposits | $522K |
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 | 4.44% | 0.50% | 3.97% | 4.57% | 2.48% |
| Q4 2023 | 4.55% | 0.57% | 4.02% | 4.65% | 3.02% |
| Q1 2024 | 4.58% | 0.70% | 3.93% | 4.71% | 3.03% |
| Q2 2024 | 4.70% | 0.80% | 3.95% | 4.75% | 3.18% |
| Q3 2024 | 4.81% | 0.87% | 4.00% | 4.92% | 3.23% |
| Q4 2024 | 4.73% | 0.89% | 3.90% | 4.89% | 2.78% |
| Q1 2025 | 4.70% | 0.86% | 3.90% | 4.87% | 2.91% |
| Q2 2025 | 4.75% | 0.94% | 3.88% | 4.91% | 3.09% |
| Q3 2025 | 4.88% | 0.98% | 3.98% | 5.01% | 3.58% |
| Q4 2025 | 4.78% | 0.96% | 3.89% | 4.97% | 3.59% |
| Q1 2026 | 4.83% | 0.91% | 3.99% | 5.03% | 3.66% |
| Q2 2026 | 4.80% | 0.90% | 3.97% | 4.99% | 3.87% |
Marblehead 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 Marblehead 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 Marblehead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90234) · FFIEC NIC profile (RSSD 816304)