North Cambridge Co-Operative 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.30 percentage points to 4.91%. North Cambridge Co-Operative Bank ranks 45th of 89 Massachusetts banks on net interest margin, in the lower half at 3.00% (Q2 2026). North Cambridge Co-Operative Bank reported 3.00% on net interest margin for Q2 2026, 0.89 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.96% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 1.43% |
| Cost of interest-bearing liabilities | 1.43% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.00% |
| Yield to cost spread | 2.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $484K |
| Total interest expense | $193K |
| Interest expense on deposits | $193K |
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 |
|---|---|---|---|
| Q3 2023 | 4.00% | 0.86% | 3.36% |
| Q4 2023 | 3.98% | 1.01% | 3.22% |
| Q1 2024 | 4.02% | 1.11% | 3.22% |
| Q2 2024 | 4.22% | 1.31% | 3.28% |
| Q3 2024 | 4.35% | 1.39% | 3.36% |
| Q4 2024 | 4.12% | 1.44% | 3.09% |
| Q1 2025 | 3.95% | 1.40% | 2.94% |
| Q2 2025 | 4.07% | 1.43% | 3.03% |
| Q3 2025 | 4.09% | 1.43% | 3.03% |
| Q4 2025 | 4.11% | 1.48% | 3.01% |
| Q1 2026 | 3.99% | 1.32% | 3.01% |
| Q2 2026 | 3.96% | 1.30% | 3.00% |
North Cambridge Co-Operative 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 Cambridge Co-Operative 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 Cambridge Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26567) · FFIEC NIC profile (RSSD 931270)