National Grand Bank of Marblehead: 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 2.8% in Q2 2026 to $1.8M, the biggest move on this page. Within Massachusetts, National Grand Bank of Marblehead is 78th of 89 on net interest margin, 2.51% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. National Grand Bank of Marblehead sits 1.44 points lower, at 2.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.19% |
| Yield on loans | 4.49% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.51% |
| Yield to cost spread | 1.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.5M |
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 | 3.69% | 1.75% | 2.10% | 3.93% | 2.52% |
| Q4 2023 | 3.80% | 1.97% | 2.02% | 4.03% | 2.61% |
| Q1 2024 | 3.81% | 2.01% | 1.97% | 4.03% | 2.65% |
| Q2 2024 | 3.93% | 2.10% | 2.03% | 4.16% | 2.69% |
| Q3 2024 | 3.99% | 2.20% | 2.02% | 4.25% | 2.68% |
| Q4 2024 | 4.07% | 2.20% | 2.06% | 4.34% | 2.81% |
| Q1 2025 | 4.03% | 2.05% | 2.14% | 4.32% | 2.95% |
| Q2 2025 | 4.14% | 2.06% | 2.27% | 4.40% | 3.00% |
| Q3 2025 | 4.15% | 2.12% | 2.23% | 4.46% | 2.97% |
| Q4 2025 | 4.19% | 1.94% | 2.41% | 4.48% | 3.03% |
| Q1 2026 | 4.13% | 1.87% | 2.41% | 4.46% | 3.02% |
| Q2 2026 | 4.19% | 1.85% | 2.51% | 4.49% | 3.01% |
National Grand Bank of Marblehead yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock National Grand Bank of Marblehead, 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 National Grand Bank of Marblehead profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2608) · FFIEC NIC profile (RSSD 863607)