Stonehambank: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.14 percentage points to 2.99%. Within Massachusetts, Stonehambank is 46th of 89 on net interest margin, 2.99% as of Q2 2026. Stonehambank reported 2.99% on net interest margin for Q2 2026, 0.95 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 5.69% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.99% |
| Yield to cost spread | 2.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.3M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.1M |
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 | 4.21% | 1.79% | 2.41% | 4.46% | 2.16% |
| Q4 2023 | 4.19% | 1.95% | 2.25% | 4.55% | 2.31% |
| Q1 2024 | 4.33% | 2.19% | 2.12% | 4.65% | 2.22% |
| Q2 2024 | 4.43% | 2.32% | 2.11% | 4.77% | 2.27% |
| Q3 2024 | 4.65% | 2.48% | 2.14% | 5.02% | 2.23% |
| Q4 2024 | 4.70% | 2.49% | 2.18% | 5.10% | 2.24% |
| Q1 2025 | 4.65% | 2.33% | 2.29% | 5.08% | 2.22% |
| Q2 2025 | 4.86% | 2.21% | 2.60% | 5.27% | 2.47% |
| Q3 2025 | 5.11% | 2.20% | 2.88% | 5.54% | 2.72% |
| Q4 2025 | 5.10% | 2.24% | 2.85% | 5.56% | 2.81% |
| Q1 2026 | 5.04% | 2.17% | 2.85% | 5.53% | 2.75% |
| Q2 2026 | 5.16% | 2.14% | 2.99% | 5.69% | 2.87% |
Stonehambank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stonehambank, 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 Stonehambank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26559) · FFIEC NIC profile (RSSD 954279)