Stoughton 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged down 0.19 percentage points between Q1 2026 and Q2 2026, to 2.77%. Within Massachusetts, Stoughton Co-Operative Bank is 50th of 89 on net interest margin, 2.92% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Stoughton Co-Operative Bank sits 1.03 points lower, at 2.92% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.62% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.92% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $557K |
| Interest expense on deposits | $508K |
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 |
|---|---|---|---|
| Q3 2023 | 3.83% | 1.40% | 2.53% |
| Q4 2023 | 3.99% | 1.69% | 2.43% |
| Q1 2024 | 4.03% | 1.83% | 2.32% |
| Q2 2024 | 4.13% | 1.98% | 2.28% |
| Q3 2024 | 4.20% | 2.10% | 2.26% |
| Q4 2024 | 4.31% | 2.16% | 2.30% |
| Q1 2025 | 4.39% | 1.97% | 2.54% |
| Q2 2025 | 4.55% | 1.93% | 2.75% |
| Q3 2025 | 4.49% | 1.95% | 2.66% |
| Q4 2025 | 4.75% | 1.93% | 2.94% |
| Q1 2026 | 4.56% | 1.82% | 2.86% |
| Q2 2026 | 4.62% | 1.82% | 2.92% |
Stoughton 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 Stoughton 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 Stoughton Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26513) · FFIEC NIC profile (RSSD 164975)