Rockland Savings Bank, FSB: 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.
Cost of borrowings dropped 375.19 percentage points in Q2 2026, from 785.19% to 410.00%. It was the largest change from Q1 2026 among the key lines here. Within Maine, Rockland Savings Bank, FSB is 6th of 22 on net interest margin, 3.79% as of Q2 2026, above the middle of the field. At 3.79%, Rockland Savings Bank, FSB's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | 6.01% |
| Yield on securities | 3.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.50% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 410.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $441K |
| Interest expense on deposits | $318K |
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 | 4.79% | 1.41% | 3.29% | 5.04% | 1.44% |
| Q4 2023 | 5.05% | 1.79% | 3.21% | 5.24% | 2.87% |
| Q1 2024 | 5.17% | 2.27% | 2.98% | 5.38% | 3.60% |
| Q2 2024 | 5.38% | 2.81% | 2.79% | 5.60% | 3.58% |
| Q3 2024 | 5.36% | 2.93% | 2.68% | 5.59% | 3.44% |
| Q4 2024 | 5.45% | 2.58% | 2.99% | 5.69% | 3.40% |
| Q1 2025 | 5.69% | 2.38% | 3.46% | 5.92% | 3.79% |
| Q2 2025 | 5.54% | 2.63% | 3.30% | 5.76% | 3.81% |
| Q3 2025 | 5.60% | 2.76% | 3.35% | 5.80% | 3.78% |
| Q4 2025 | 5.62% | 2.62% | 3.48% | 5.85% | 3.78% |
| Q1 2026 | 5.59% | 2.40% | 3.68% | 5.81% | 4.04% |
| Q2 2026 | 5.76% | 2.50% | 3.79% | 6.01% | 3.73% |
Rockland Savings Bank, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockland Savings Bank, FSB, 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 Rockland Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28369) · FFIEC NIC profile (RSSD 95677)