Northeast 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.
Net interest margin fell 0.29 percentage points from Q1 2026 to Q2 2026, ending at 4.79% against 5.08%. It was the largest change among the key lines on this page. Northeast Bank has the highest net interest margin of the 22 banks headquartered in Maine, 4.79% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Northeast Bank sits 1.08 points higher, at 4.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.93% |
| Yield on loans | 8.35% |
| Yield on securities | 4.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.75% |
| Cost of interest-bearing deposits | 3.63% |
| Cost of interest-bearing liabilities | 3.64% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.79% |
| Yield to cost spread | 4.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $95.2M |
| Total interest expense | $39.5M |
| Interest expense on deposits | $32.1M |
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 | 8.80% | 4.04% | 5.21% | 9.23% | 3.25% |
| Q4 2023 | 9.07% | 4.13% | 5.23% | 9.48% | 3.87% |
| Q1 2024 | 8.80% | 4.18% | 4.98% | 9.17% | 4.09% |
| Q2 2024 | 8.96% | 4.08% | 5.11% | 9.37% | 4.16% |
| Q3 2024 | 8.86% | 4.26% | 4.95% | 9.21% | 4.43% |
| Q4 2024 | 8.64% | 4.08% | 4.92% | 9.05% | 4.57% |
| Q1 2025 | 8.02% | 3.94% | 4.56% | 8.39% | 4.54% |
| Q2 2025 | 8.53% | 4.05% | 5.13% | 8.98% | 4.61% |
| Q3 2025 | 8.00% | 4.06% | 4.63% | 8.45% | 4.45% |
| Q4 2025 | 7.81% | 3.50% | 4.53% | 8.22% | 4.38% |
| Q1 2026 | 8.21% | 3.85% | 5.08% | 8.71% | 4.39% |
| Q2 2026 | 7.93% | 3.75% | 4.79% | 8.35% | 4.44% |
Northeast 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 Northeast 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 Northeast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19690) · FFIEC NIC profile (RSSD 468806)