The Pittsfield Co-operative Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
The Pittsfield Co-operative Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.13% in Q3 2026, up 0.42 percentage points from 4.71% in Q3 2025. Across the 12 quarters shown it ranged from 4.11% (Q1 2024) to 5.21% (Q2 2026).
Total interest expense rose 5.1% from Q2 2026 to Q3 2026, ending at $2.3M against $2.1M. It was the largest change among the key lines on this page. The Pittsfield Co-operative Bank ranks 44th of 88 Massachusetts banks on net interest margin, in the upper half at 3.10% (Q3 2026). The Pittsfield Co-operative Bank reported 3.10% on net interest margin for Q3 2026, 0.89 points below the 3.99% median for banks in the $100M-1B asset tier.
Asset yields
Largest change in this table: yield on loans, up 0.16 points to 6.02% in Q3 2026 after 5.86% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 6.02% |
| Yield on securities | 2.76% |
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Funding costs
Cost of interest-bearing deposits moved most in this table, up 0.14 points: 2.40% in Q2 2026, 2.54% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.27% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | 3.99% |
Spread and margin
Largest change in this table: yield to cost spread, down 0.16 points to 2.34% in Q3 2026 after 2.50% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.10% |
| Yield to cost spread | 2.34% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $1.7M |
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 | 4.41% | 1.44% | 3.10% | 4.78% | 2.20% |
| Q1 2024 | 4.11% | 1.51% | 2.75% | 4.78% | 2.21% |
| Q2 2024 | 4.25% | 1.69% | 2.72% | 4.90% | 2.21% |
| Q3 2024 | 4.51% | 2.00% | 2.64% | 5.03% | 2.81% |
| Q4 2024 | 4.63% | 2.07% | 2.69% | 5.10% | 3.04% |
| Q1 2025 | 4.51% | 1.94% | 2.73% | 5.08% | 2.85% |
| Q2 2025 | 4.65% | 1.93% | 2.85% | 5.29% | 2.58% |
| Q3 2025 | 4.71% | 2.01% | 2.83% | 5.38% | 2.14% |
| Q4 2025 | 5.10% | 2.05% | 3.22% | 5.68% | 2.81% |
| Q1 2026 | 5.09% | 2.10% | 3.14% | 5.73% | 2.62% |
| Q2 2026 | 5.21% | 2.22% | 3.14% | 5.86% | 2.73% |
| Q3 2026 | 5.13% | 2.27% | 3.10% | 6.02% | 2.76% |
The Pittsfield Co-operative 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 Pittsfield Co-operative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26393) · FFIEC NIC profile (RSSD 1000276)