The Village 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, Net interest margin rose 0.15 percentage points in Q2 2026 to 2.67%, the biggest move on this page. The Village Bank ranks 70th of 89 Massachusetts banks on net interest margin, in the lower half at 2.67% (Q2 2026). The Village Bank reported 2.67% on net interest margin for Q2 2026, 1.04 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 5.49% |
| Yield on securities | 2.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 3.02% |
| Cost of interest-bearing liabilities | 3.03% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.67% |
| Yield to cost spread | 1.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.0M |
| Total interest expense | $11.5M |
| Interest expense on deposits | $11.1M |
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 | 4.48% | 2.51% | 1.91% | 4.88% | 2.40% |
| Q4 2023 | 4.64% | 2.80% | 1.74% | 5.03% | 2.50% |
| Q1 2024 | 4.67% | 2.91% | 1.70% | 5.10% | 2.46% |
| Q2 2024 | 4.68% | 3.04% | 1.59% | 5.14% | 2.29% |
| Q3 2024 | 4.85% | 3.14% | 1.71% | 5.32% | 2.42% |
| Q4 2024 | 4.85% | 2.94% | 1.85% | 5.29% | 2.49% |
| Q1 2025 | 4.74% | 2.72% | 2.00% | 5.28% | 2.20% |
| Q2 2025 | 4.83% | 2.66% | 2.14% | 5.36% | 2.21% |
| Q3 2025 | 4.90% | 2.67% | 2.23% | 5.44% | 2.27% |
| Q4 2025 | 4.89% | 2.54% | 2.36% | 5.43% | 2.31% |
| Q1 2026 | 4.85% | 2.34% | 2.52% | 5.37% | 2.30% |
| Q2 2026 | 4.95% | 2.29% | 2.67% | 5.49% | 2.25% |
The Village 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 The Village 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 The Village Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26336) · FFIEC NIC profile (RSSD 173575)