Walpole 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 3.82% against 3.66%. It was the largest change among the key lines on this page. Walpole Co-Operative Bank ranks 11th of 89 Massachusetts banks on net interest margin, in the upper half at 3.82% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Walpole Co-Operative Bank sits 0.13 points lower, at 3.82% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.20% |
| Yield on securities | 4.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.58% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 3.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.3M |
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 | 4.65% | 2.40% | 2.71% | 4.94% | 0.72% |
| Q4 2023 | 4.61% | 2.74% | 2.38% | 5.10% | 0.76% |
| Q1 2024 | 4.67% | 2.85% | 2.34% | 5.09% | 1.35% |
| Q2 2024 | 4.77% | 3.00% | 2.32% | 5.16% | 1.57% |
| Q3 2024 | 4.94% | 3.02% | 2.50% | 5.31% | 2.09% |
| Q4 2024 | 5.06% | 3.02% | 2.63% | 5.47% | 2.25% |
| Q1 2025 | 5.11% | 2.87% | 2.76% | 5.50% | 2.59% |
| Q2 2025 | 5.27% | 2.81% | 2.99% | 5.64% | 2.90% |
| Q3 2025 | 5.60% | 2.73% | 3.40% | 5.96% | 3.36% |
| Q4 2025 | 5.66% | 2.70% | 3.49% | 5.97% | 3.90% |
| Q1 2026 | 5.77% | 2.59% | 3.66% | 6.07% | 4.14% |
| Q2 2026 | 5.91% | 2.58% | 3.82% | 6.20% | 4.16% |
Walpole 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 Walpole 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 Walpole Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26487) · FFIEC NIC profile (RSSD 63573)