Pentucket 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 0.09 percentage points between Q1 2026 and Q2 2026, to 2.76%. Pentucket Bank ranks 62nd of 89 Massachusetts banks on net interest margin, in the lower half at 2.76% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Pentucket Bank sits 0.95 points lower, at 2.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.89% |
| Yield on loans | 5.25% |
| Yield on securities | 2.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.76% |
| Yield to cost spread | 2.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.8M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $4.6M |
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 | 4.24% | 1.75% | 2.64% | 4.55% | 2.66% |
| Q4 2023 | 4.44% | 2.04% | 2.57% | 4.78% | 2.67% |
| Q1 2024 | 4.49% | 2.27% | 2.39% | 4.84% | 2.65% |
| Q2 2024 | 4.65% | 2.56% | 2.37% | 5.01% | 2.69% |
| Q3 2024 | 4.74% | 2.66% | 2.27% | 5.07% | 2.71% |
| Q4 2024 | 4.75% | 2.62% | 2.34% | 5.08% | 2.72% |
| Q1 2025 | 4.69% | 2.51% | 2.36% | 5.01% | 2.77% |
| Q2 2025 | 4.77% | 2.43% | 2.52% | 5.08% | 2.95% |
| Q3 2025 | 4.90% | 2.46% | 2.62% | 5.24% | 2.97% |
| Q4 2025 | 4.88% | 2.26% | 2.68% | 5.21% | 2.95% |
| Q1 2026 | 4.82% | 2.32% | 2.67% | 5.13% | 2.97% |
| Q2 2026 | 4.89% | 2.32% | 2.76% | 5.25% | 2.86% |
Pentucket 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 Pentucket 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 Pentucket Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90208) · FFIEC NIC profile (RSSD 635907)