Millbury National 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.
Net interest margin rose 0.23 percentage points from Q1 2026 to Q2 2026, ending at 4.98% against 4.75%. It was the largest change among the key lines on this page. Millbury National Bank has the highest net interest margin of the 89 banks headquartered in Massachusetts, 4.98% as of Q2 2026. Millbury National Bank reported 4.98% on net interest margin for Q2 2026, 1.03 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.20% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.91% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 1.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.98% |
| Yield to cost spread | 4.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $776K |
| Interest expense on deposits | $715K |
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 |
|---|---|---|---|
| Q3 2023 | 5.89% | 2.16% | 3.74% |
| Q4 2023 | 6.25% | 2.45% | 3.78% |
| Q1 2024 | 6.25% | 2.62% | 3.55% |
| Q2 2024 | 6.65% | 2.69% | 3.93% |
| Q3 2024 | 6.98% | 2.91% | 4.14% |
| Q4 2024 | 6.90% | 2.82% | 4.14% |
| Q1 2025 | 6.69% | 2.66% | 4.05% |
| Q2 2025 | 7.19% | 2.55% | 4.68% |
| Q3 2025 | 7.05% | 2.55% | 4.56% |
| Q4 2025 | 7.16% | 2.47% | 4.75% |
| Q1 2026 | 7.03% | 2.33% | 4.75% |
| Q2 2026 | 7.20% | 2.29% | 4.98% |
Millbury National 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 Millbury National 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 Millbury National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2616) · FFIEC NIC profile (RSSD 881900)