Mountainone 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 4.9% in Q2 2026 to $4.7M, the biggest move on this page. Within Massachusetts, Mountainone Bank is 15th of 89 on net interest margin, 3.71% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Mountainone Bank reported 3.71% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 6.10% |
| Yield on securities | 3.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.6M |
| Total interest expense | $4.7M |
| Interest expense on deposits | $3.7M |
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 | 5.48% | 2.09% | 3.61% | 6.05% | 2.66% |
| Q4 2023 | 5.51% | 2.31% | 3.46% | 6.08% | 2.74% |
| Q1 2024 | 5.51% | 2.48% | 3.31% | 6.07% | 2.81% |
| Q2 2024 | 5.61% | 2.45% | 3.43% | 6.20% | 2.78% |
| Q3 2024 | 5.59% | 2.53% | 3.36% | 6.20% | 2.83% |
| Q4 2024 | 5.55% | 2.43% | 3.42% | 6.12% | 3.09% |
| Q1 2025 | 5.53% | 2.33% | 3.44% | 6.07% | 3.12% |
| Q2 2025 | 5.67% | 2.30% | 3.62% | 6.21% | 3.16% |
| Q3 2025 | 5.81% | 2.26% | 3.74% | 6.35% | 3.25% |
| Q4 2025 | 5.73% | 2.18% | 3.81% | 6.26% | 3.32% |
| Q1 2026 | 5.62% | 2.11% | 3.76% | 6.13% | 3.32% |
| Q2 2026 | 5.62% | 2.18% | 3.71% | 6.10% | 3.37% |
Mountainone 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 Mountainone 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 Mountainone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90253) · FFIEC NIC profile (RSSD 97804)