Massena Savings and Loan: 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, Net interest margin edged up by 0.11 percentage points, from 3.54% to 3.65%, the largest move among the key lines here. Within New York, Massena Savings and Loan is 50th of 105 on net interest margin, 3.65% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Massena Savings and Loan sits 0.30 points lower, at 3.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.06% |
| Yield on loans | 6.18% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | 4.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $932K |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.10% | 2.08% | 3.23% | 5.08% |
| Q4 2023 | 5.23% | 2.42% | 3.04% | 5.20% |
| Q1 2024 | 5.34% | 2.45% | 3.06% | 5.31% |
| Q2 2024 | 5.46% | 2.56% | 3.08% | 5.45% |
| Q3 2024 | 5.61% | 2.66% | 3.13% | 5.61% |
| Q4 2024 | 5.69% | 2.78% | 3.11% | 5.73% |
| Q1 2025 | 5.70% | 2.69% | 3.21% | 5.75% |
| Q2 2025 | 5.74% | 2.68% | 3.25% | 5.81% |
| Q3 2025 | 5.93% | 2.65% | 3.47% | 6.01% |
| Q4 2025 | 5.93% | 2.64% | 3.49% | 6.04% |
| Q1 2026 | 5.95% | 2.61% | 3.54% | 6.06% |
| Q2 2026 | 6.06% | 2.60% | 3.65% | 6.18% |
Massena Savings and Loan yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Massena Savings and Loan, 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 Massena Savings and Loan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30429) · FFIEC NIC profile (RSSD 454975)