Newburyport Five Cents 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 2.75% to 2.83%, the largest move among the key lines here. Within Massachusetts, Newburyport Five Cents Savings Bank is 56th of 89 on net interest margin, 2.83% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Newburyport Five Cents Savings Bank sits 0.88 points lower, at 2.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.21% |
| Yield on loans | 5.51% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.59% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.83% |
| Yield to cost spread | 2.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.1M |
| Total interest expense | $9.1M |
| Interest expense on deposits | $7.6M |
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 | 4.97% | 2.25% | 2.92% | 5.27% | 2.72% |
| Q4 2023 | 5.26% | 2.48% | 3.01% | 5.57% | 2.92% |
| Q1 2024 | 5.20% | 2.70% | 2.75% | 5.51% | 3.00% |
| Q2 2024 | 5.29% | 2.90% | 2.65% | 5.58% | 3.10% |
| Q3 2024 | 5.19% | 3.08% | 2.38% | 5.47% | 3.05% |
| Q4 2024 | 5.19% | 3.04% | 2.42% | 5.47% | 3.31% |
| Q1 2025 | 5.10% | 2.84% | 2.50% | 5.37% | 3.26% |
| Q2 2025 | 5.24% | 2.80% | 2.68% | 5.52% | 3.47% |
| Q3 2025 | 5.23% | 2.78% | 2.70% | 5.52% | 3.46% |
| Q4 2025 | 5.29% | 2.49% | 2.88% | 5.58% | 3.52% |
| Q1 2026 | 5.10% | 2.54% | 2.75% | 5.38% | 3.51% |
| Q2 2026 | 5.21% | 2.59% | 2.83% | 5.51% | 3.40% |
Newburyport Five Cents 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 Newburyport Five Cents 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 Newburyport Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90251) · FFIEC NIC profile (RSSD 67209)