Onelocal 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 0.20 percentage points to 3.60%. Onelocal Bank ranks 18th of 89 Massachusetts banks on net interest margin, in the upper half at 3.60% (Q2 2026). At 3.60%, Onelocal Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.14% |
| Yield on securities | 3.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.62% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 2.89% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.0M |
| Total interest expense | $5.9M |
| Interest expense on deposits | $5.3M |
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 | 5.33% | 2.24% | 3.32% | 5.57% | 3.68% |
| Q4 2023 | 5.43% | 2.61% | 3.09% | 5.66% | 3.76% |
| Q1 2024 | 5.43% | 2.70% | 3.01% | 5.67% | 3.69% |
| Q2 2024 | 5.37% | 2.78% | 2.88% | 5.60% | 3.72% |
| Q3 2024 | 5.53% | 2.94% | 2.90% | 5.77% | 3.75% |
| Q4 2024 | 5.59% | 2.94% | 2.98% | 5.83% | 3.76% |
| Q1 2025 | 5.54% | 2.72% | 3.13% | 5.76% | 3.79% |
| Q2 2025 | 5.75% | 2.66% | 3.40% | 5.99% | 3.85% |
| Q3 2025 | 5.92% | 2.70% | 3.51% | 6.16% | 4.02% |
| Q4 2025 | 5.95% | 2.69% | 3.58% | 6.20% | 3.90% |
| Q1 2026 | 5.69% | 2.59% | 3.40% | 5.91% | 3.88% |
| Q2 2026 | 5.90% | 2.62% | 3.60% | 6.14% | 3.95% |
Onelocal 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 Onelocal 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 Onelocal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26555) · FFIEC NIC profile (RSSD 1013070)