North Brookfield 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 3.02%. North Brookfield Savings Bank ranks 44th of 89 Massachusetts banks on net interest margin, in the upper half at 3.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. North Brookfield Savings Bank sits 0.93 points lower, at 3.02% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.69% |
| Yield on loans | 5.28% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.02% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.7M |
| 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 | 4.42% | 1.72% | 2.77% | 4.99% | 2.73% |
| Q4 2023 | 4.28% | 1.94% | 2.42% | 4.71% | 2.96% |
| Q1 2024 | 4.30% | 2.06% | 2.31% | 4.74% | 3.01% |
| Q2 2024 | 4.43% | 2.08% | 2.44% | 4.87% | 3.14% |
| Q3 2024 | 4.46% | 2.09% | 2.50% | 4.91% | 3.21% |
| Q4 2024 | 4.50% | 2.11% | 2.54% | 5.00% | 3.21% |
| Q1 2025 | 4.48% | 1.98% | 2.63% | 4.98% | 3.28% |
| Q2 2025 | 4.58% | 1.91% | 2.79% | 5.10% | 3.25% |
| Q3 2025 | 4.75% | 1.95% | 2.92% | 5.30% | 3.28% |
| Q4 2025 | 4.71% | 1.93% | 2.91% | 5.28% | 3.23% |
| Q1 2026 | 4.62% | 1.84% | 2.91% | 5.23% | 3.11% |
| Q2 2026 | 4.69% | 1.79% | 3.02% | 5.28% | 3.25% |
North Brookfield 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 North Brookfield 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 North Brookfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90258) · FFIEC NIC profile (RSSD 528102)