Mascoma 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 standout move of Q2 2026 was in Cost of borrowings: 1.30 percentage points higher than in Q1 2026, at 2.94%. Within New Hampshire, Mascoma Bank is 10th of 16 on net interest margin, 3.26% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Mascoma Bank sits 0.45 points lower, at 3.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | 5.16% |
| Yield on securities | 2.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 2.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $31.9M |
| Total interest expense | $11.4M |
| 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 | 4.05% | 1.35% | 2.63% | 4.41% | 2.18% |
| Q4 2023 | 4.17% | 1.51% | 2.57% | 4.53% | 2.21% |
| Q1 2024 | 4.24% | 1.71% | 2.45% | 4.60% | 2.26% |
| Q2 2024 | 4.32% | 1.85% | 2.38% | 4.70% | 2.23% |
| Q3 2024 | 4.46% | 1.88% | 2.49% | 4.84% | 2.31% |
| Q4 2024 | 4.48% | 1.75% | 2.65% | 4.86% | 2.29% |
| Q1 2025 | 4.49% | 1.64% | 2.77% | 4.86% | 2.28% |
| Q2 2025 | 4.59% | 1.66% | 2.86% | 4.96% | 2.40% |
| Q3 2025 | 4.73% | 1.69% | 2.97% | 5.09% | 2.53% |
| Q4 2025 | 4.87% | 1.58% | 3.21% | 5.19% | 2.85% |
| Q1 2026 | 4.69% | 1.53% | 3.15% | 5.04% | 2.74% |
| Q2 2026 | 4.83% | 1.68% | 3.26% | 5.16% | 2.90% |
Mascoma 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 Mascoma 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 Mascoma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18013) · FFIEC NIC profile (RSSD 268006)