Martha's Vineyard 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 climbed 8.4% in Q2 2026, from $4.3M to $4.6M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Martha's Vineyard Bank is 38th of 89 on net interest margin, 3.12% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Martha's Vineyard Bank sits 0.59 points lower, at 3.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.60% |
| Yield on loans | 4.75% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.3M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $3.5M |
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 | 4.08% | 1.56% | 2.69% | 4.21% | 2.68% |
| Q4 2023 | 4.16% | 1.83% | 2.48% | 4.27% | 2.64% |
| Q1 2024 | 4.13% | 2.17% | 2.16% | 4.24% | 2.80% |
| Q2 2024 | 4.20% | 2.31% | 2.12% | 4.30% | 2.71% |
| Q3 2024 | 4.27% | 2.19% | 2.27% | 4.35% | 3.25% |
| Q4 2024 | 4.30% | 2.00% | 2.49% | 4.39% | 2.78% |
| Q1 2025 | 4.24% | 1.90% | 2.51% | 4.36% | 2.99% |
| Q2 2025 | 4.37% | 1.86% | 2.67% | 4.48% | 2.92% |
| Q3 2025 | 4.41% | 1.66% | 2.92% | 4.54% | 3.08% |
| Q4 2025 | 4.56% | 1.57% | 3.14% | 4.68% | 2.97% |
| Q1 2026 | 4.41% | 1.54% | 3.03% | 4.58% | 2.89% |
| Q2 2026 | 4.60% | 1.62% | 3.12% | 4.75% | 3.04% |
Martha's Vineyard 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 Martha's Vineyard 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 Martha's Vineyard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90190) · FFIEC NIC profile (RSSD 196800)