Rollstone Bank & Trust: 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: Total interest expense edged down 2.4% between Q1 2026 and Q2 2026, to $4.6M. Rollstone Bank & Trust has the 4th lowest net interest margin of the 89 banks headquartered in Massachusetts, at 1.94% as of Q2 2026. Rollstone Bank & Trust's net interest margin of 1.94% is well below the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.01 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.26% |
| Yield on loans | 4.59% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.94% |
| Yield to cost spread | 1.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.7M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $3.9M |
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 | 3.84% | 2.44% | 1.51% | 4.06% | 3.36% |
| Q4 2023 | 3.92% | 2.69% | 1.42% | 4.12% | 3.62% |
| Q1 2024 | 3.97% | 2.86% | 1.33% | 4.15% | 3.96% |
| Q2 2024 | 4.07% | 2.95% | 1.34% | 4.21% | 4.07% |
| Q3 2024 | 4.11% | 2.92% | 1.38% | 4.33% | 3.67% |
| Q4 2024 | 4.12% | 2.84% | 1.46% | 4.37% | 3.61% |
| Q1 2025 | 4.12% | 2.79% | 1.46% | 4.35% | 3.59% |
| Q2 2025 | 4.19% | 2.84% | 1.49% | 4.45% | 3.60% |
| Q3 2025 | 4.26% | 2.89% | 1.51% | 4.55% | 3.62% |
| Q4 2025 | 4.28% | 2.60% | 1.74% | 4.58% | 3.51% |
| Q1 2026 | 4.27% | 2.46% | 1.92% | 4.54% | 3.31% |
| Q2 2026 | 4.26% | 2.44% | 1.94% | 4.59% | 3.23% |
Rollstone Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rollstone Bank & Trust, 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 Rollstone Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17797) · FFIEC NIC profile (RSSD 837608)