Monson Savings 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.
Compared with Q1 2026, Total interest expense rose 3.7% in Q2 2026 to $3.3M, the biggest move on this page. Monson Savings Bank ranks 21st of 89 Massachusetts banks on net interest margin, in the upper half at 3.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Monson Savings Bank sits 0.46 points lower, at 3.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 5.45% |
| Yield on securities | 4.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.49% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.3M |
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 | 4.58% | 1.35% | 3.31% | 4.74% | 3.33% |
| Q4 2023 | 4.72% | 1.76% | 3.07% | 4.86% | 3.51% |
| Q1 2024 | 4.76% | 1.92% | 2.96% | 4.91% | 3.55% |
| Q2 2024 | 4.90% | 2.02% | 3.02% | 5.00% | 3.72% |
| Q3 2024 | 4.97% | 2.15% | 2.98% | 5.09% | 3.82% |
| Q4 2024 | 5.07% | 2.04% | 3.15% | 5.16% | 4.12% |
| Q1 2025 | 4.88% | 1.88% | 3.09% | 5.04% | 4.30% |
| Q2 2025 | 5.10% | 1.82% | 3.36% | 5.20% | 4.25% |
| Q3 2025 | 5.18% | 1.81% | 3.47% | 5.32% | 4.43% |
| Q4 2025 | 5.22% | 1.77% | 3.57% | 5.35% | 4.34% |
| Q1 2026 | 5.09% | 1.81% | 3.38% | 5.35% | 4.41% |
| Q2 2026 | 5.19% | 1.82% | 3.49% | 5.45% | 4.30% |
Monson Savings 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 Monson Savings 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 Monson Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90245) · FFIEC NIC profile (RSSD 951102)