Rockland Trust Company: 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.
In Q2 2026, Yield on securities edged up by 0.09 percentage points, from 3.01% to 3.10%, the largest move among the key lines here. Among 89 Massachusetts banks, Rockland Trust Company sits 5th from the top on net interest margin, 3.98% as of Q2 2026. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Rockland Trust Company sits 0.38 points higher, at 3.98% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 5.68% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.11% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $261.9M |
| Total interest expense | $70.4M |
| Interest expense on deposits | $67.6M |
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 | 4.70% | 1.00% | 3.53% | 5.33% | 1.89% |
| Q4 2023 | 4.80% | 1.18% | 3.42% | 5.43% | 1.90% |
| Q1 2024 | 4.81% | 1.37% | 3.24% | 5.43% | 1.91% |
| Q2 2024 | 4.91% | 1.45% | 3.25% | 5.53% | 1.93% |
| Q3 2024 | 5.01% | 1.47% | 3.33% | 5.61% | 1.98% |
| Q4 2024 | 4.98% | 1.40% | 3.38% | 5.53% | 2.11% |
| Q1 2025 | 4.88% | 1.28% | 3.40% | 5.41% | 2.20% |
| Q2 2025 | 4.95% | 1.25% | 3.51% | 5.48% | 2.30% |
| Q3 2025 | 5.30% | 1.39% | 3.79% | 6.43% | 3.09% |
| Q4 2025 | 5.32% | 1.22% | 3.93% | 5.78% | 3.02% |
| Q1 2026 | 5.24% | 1.10% | 3.98% | 5.68% | 3.01% |
| Q2 2026 | 5.24% | 1.11% | 3.98% | 5.68% | 3.10% |
Rockland Trust Company 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 Trust Company, 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 Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9712) · FFIEC NIC profile (RSSD 613008)