Northfield 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.16 percentage points to 3.16%. Within Vermont, Northfield Savings Bank is 8th of 12 on net interest margin, 3.16% as of Q2 2026, below the middle of the field. Northfield Savings Bank reported 3.16% on net interest margin for Q2 2026, 0.55 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.57% |
| Yield on loans | 5.13% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.50% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 2.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.6M |
| Total interest expense | $5.3M |
| Interest expense on deposits | $4.8M |
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% | 1.30% | 2.48% | 4.36% | 1.63% |
| Q4 2023 | 3.80% | 1.48% | 2.40% | 4.45% | 1.61% |
| Q1 2024 | 3.91% | 1.70% | 2.30% | 4.52% | 1.56% |
| Q2 2024 | 3.97% | 1.75% | 2.33% | 4.62% | 1.82% |
| Q3 2024 | 4.09% | 1.85% | 2.36% | 4.77% | 1.98% |
| Q4 2024 | 4.14% | 1.76% | 2.48% | 4.79% | 2.18% |
| Q1 2025 | 4.16% | 1.76% | 2.50% | 4.77% | 2.40% |
| Q2 2025 | 4.27% | 1.76% | 2.62% | 4.93% | 2.31% |
| Q3 2025 | 4.41% | 1.77% | 2.75% | 5.04% | 2.39% |
| Q4 2025 | 4.46% | 1.69% | 2.88% | 5.09% | 2.50% |
| Q1 2026 | 4.45% | 1.54% | 3.00% | 5.02% | 2.62% |
| Q2 2026 | 4.57% | 1.50% | 3.16% | 5.13% | 2.70% |
Northfield 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 Northfield 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 Northfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14140) · FFIEC NIC profile (RSSD 520003)