The Cooperative Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
The Cooperative Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.06% in Q3 2026, up 0.22 percentage points from 4.84% in Q3 2025. Across the 12 quarters shown it ranged from 4.71% (Q1 2024) to 5.06% (Q3 2026).
The biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged down 0.25 percentage points between Q2 2026 and Q3 2026, to 4.15%. The Cooperative Bank ranks 46th of 88 Massachusetts banks on net interest margin, in the lower half at 3.01% (Q3 2026). The Cooperative Bank reported 3.01% on net interest margin for Q3 2026, 0.98 points below the 3.99% median for banks in the $100M-1B asset tier.
Asset yields
Yield on loans moved most in this table, up 0.14 points: 5.19% in Q2 2026, 5.33% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | 5.33% |
| Yield on securities | 3.04% |
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Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 4.15% |
Spread and margin
Net interest margin moved most in this table, up 0.05 points: 2.96% in Q2 2026, 3.01% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.01% |
| Yield to cost spread | 2.39% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.3M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 4.75% | 2.47% | 2.43% | 4.94% | 2.82% |
| Q1 2024 | 4.71% | 2.44% | 2.40% | 4.87% | 3.06% |
| Q2 2024 | 4.80% | 2.50% | 2.44% | 4.95% | 3.06% |
| Q3 2024 | 4.76% | 2.48% | 2.41% | 4.93% | 3.03% |
| Q4 2024 | 4.82% | 2.35% | 2.61% | 4.99% | 3.07% |
| Q1 2025 | 4.76% | 2.26% | 2.63% | 4.93% | 3.03% |
| Q2 2025 | 4.80% | 2.25% | 2.67% | 4.98% | 3.08% |
| Q3 2025 | 4.84% | 2.25% | 2.73% | 5.05% | 3.12% |
| Q4 2025 | 4.87% | 2.21% | 2.80% | 5.09% | 3.13% |
| Q1 2026 | 4.87% | 2.13% | 2.86% | 5.09% | 3.09% |
| Q2 2026 | 4.97% | 2.13% | 2.96% | 5.19% | 3.11% |
| Q3 2026 | 5.06% | 2.16% | 3.01% | 5.33% | 3.04% |
The Cooperative Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Cooperative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26922) · FFIEC NIC profile (RSSD 714978)