Mutualone 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 fell 4.2% in Q2 2026 to $7.0M, the biggest move on this page. Within Massachusetts, Mutualone Bank is 33rd of 89 on net interest margin, 3.22% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Mutualone Bank sits 0.49 points lower, at 3.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 6.17% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.92% |
| Cost of interest-bearing deposits | 3.27% |
| Cost of interest-bearing liabilities | 3.28% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.2M |
| Total interest expense | $7.0M |
| Interest expense on deposits | $6.8M |
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 | 6.45% | 3.21% | 3.98% | 6.79% | 2.98% |
| Q4 2023 | 6.55% | 3.54% | 3.85% | 6.91% | 2.94% |
| Q1 2024 | 6.47% | 3.56% | 3.73% | 6.83% | 2.90% |
| Q2 2024 | 6.73% | 3.42% | 3.99% | 7.14% | 2.94% |
| Q3 2024 | 6.63% | 3.40% | 3.93% | 7.02% | 2.88% |
| Q4 2024 | 6.25% | 3.22% | 3.62% | 6.65% | 2.52% |
| Q1 2025 | 5.82% | 3.13% | 3.35% | 6.14% | 2.92% |
| Q2 2025 | 5.84% | 3.11% | 3.42% | 6.17% | 2.90% |
| Q3 2025 | 5.82% | 3.18% | 3.47% | 6.19% | 2.96% |
| Q4 2025 | 5.60% | 3.01% | 3.23% | 6.07% | 3.01% |
| Q1 2026 | 5.50% | 2.99% | 3.17% | 6.10% | 2.99% |
| Q2 2026 | 5.49% | 2.92% | 3.22% | 6.17% | 3.14% |
Mutualone 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 Mutualone 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 Mutualone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26395) · FFIEC NIC profile (RSSD 154770)