Savers Co-Operative 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.
Compared with Q1 2026, Total interest expense fell 6.2% in Q2 2026 to $3.7M, the biggest move on this page. Within Massachusetts, Savers Co-Operative Bank is 40th of 89 on net interest margin, 3.08% as of Q2 2026, above the middle of the field. Savers Co-Operative Bank reported 3.08% on net interest margin for Q2 2026, 0.87 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 5.32% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.08% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.2M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $2.3M |
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 | 4.35% | 1.75% | 2.63% | 4.59% | 3.71% |
| Q4 2023 | 4.56% | 2.02% | 2.62% | 4.84% | 3.39% |
| Q1 2024 | 4.52% | 2.18% | 2.46% | 4.80% | 3.40% |
| Q2 2024 | 4.85% | 2.20% | 2.78% | 5.22% | 3.42% |
| Q3 2024 | 4.70% | 2.29% | 2.53% | 5.03% | 3.44% |
| Q4 2024 | 4.83% | 2.00% | 2.67% | 5.14% | 3.55% |
| Q1 2025 | 4.80% | 2.10% | 2.67% | 5.12% | 3.46% |
| Q2 2025 | 4.83% | 2.09% | 2.70% | 5.13% | 3.46% |
| Q3 2025 | 5.04% | 2.15% | 2.86% | 5.37% | 3.55% |
| Q4 2025 | 4.97% | 2.10% | 2.87% | 5.28% | 3.53% |
| Q1 2026 | 4.98% | 2.03% | 2.95% | 5.32% | 3.46% |
| Q2 2026 | 5.00% | 1.92% | 3.08% | 5.32% | 3.58% |
Savers Co-Operative 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 Savers Co-Operative 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 Savers Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26455) · FFIEC NIC profile (RSSD 1002373)