Middlesex Federal Savings, F.A.: 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 Yield to cost spread: 1.32 percentage points higher than in Q1 2026, at 2.39%. Within Massachusetts, Middlesex Federal Savings, F.A. is 64th of 89 on net interest margin, 2.73% as of Q2 2026. Middlesex Federal Savings, F.A. reported 2.73% on net interest margin for Q2 2026, 1.21 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 5.50% |
| Yield on securities | 1.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.73% |
| Yield to cost spread | 2.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $3.5M |
| 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 | 4.22% | 0.68% | 3.58% | 4.73% | 1.68% |
| Q4 2023 | 4.29% | 0.77% | 3.57% | 4.81% | 1.70% |
| Q1 2024 | 4.34% | 0.76% | 3.61% | 4.90% | 1.68% |
| Q2 2024 | 4.39% | 0.79% | 3.63% | 4.98% | 1.72% |
| Q3 2024 | 4.50% | 0.91% | 3.63% | 5.10% | 1.74% |
| Q4 2024 | 4.57% | 0.93% | 3.70% | 5.19% | 1.70% |
| Q1 2025 | 4.55% | 0.83% | 3.76% | 5.14% | 1.73% |
| Q2 2025 | 4.65% | 0.88% | 3.80% | 5.27% | 1.73% |
| Q3 2025 | 4.82% | 0.90% | 3.97% | 5.44% | 1.76% |
| Q4 2025 | 4.83% | 0.86% | 4.04% | 5.43% | 1.81% |
| Q1 2026 | 4.86% | 1.82% | 2.62% | 5.38% | 1.83% |
| Q2 2026 | 4.95% | 2.37% | 2.73% | 5.50% | 1.93% |
Middlesex Federal Savings, F.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Middlesex Federal Savings, F.A., 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 Middlesex Federal Savings, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28368) · FFIEC NIC profile (RSSD 87579)