Winter Hill Bank, FSB: 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.
Total interest expense fell 4.7% from Q1 2026 to Q2 2026, ending at $2.0M against $2.1M. It was the largest change among the key lines on this page. Within Massachusetts, Winter Hill Bank, FSB is 67th of 89 on net interest margin, 2.70% as of Q2 2026, below the middle of the field. Winter Hill Bank, FSB reported 2.70% on net interest margin for Q2 2026, 1.25 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.64% |
| Yield on loans | 5.22% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.70% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.3M |
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 | 4.07% | 2.24% | 2.03% | 4.54% | 2.50% |
| Q4 2023 | 4.31% | 2.47% | 2.05% | 4.84% | 2.46% |
| Q1 2024 | 4.29% | 2.48% | 2.01% | 4.86% | 2.32% |
| Q2 2024 | 4.45% | 2.53% | 2.14% | 5.03% | 2.36% |
| Q3 2024 | 4.53% | 2.59% | 2.17% | 5.12% | 2.38% |
| Q4 2024 | 4.59% | 2.54% | 2.27% | 5.19% | 2.40% |
| Q1 2025 | 4.73% | 2.42% | 2.53% | 5.31% | 2.58% |
| Q2 2025 | 4.73% | 2.39% | 2.55% | 5.29% | 2.64% |
| Q3 2025 | 4.77% | 2.46% | 2.54% | 5.31% | 2.68% |
| Q4 2025 | 4.76% | 2.45% | 2.54% | 5.32% | 2.69% |
| Q1 2026 | 4.69% | 2.22% | 2.66% | 5.27% | 2.70% |
| Q2 2026 | 4.64% | 2.14% | 2.70% | 5.22% | 2.72% |
Winter Hill Bank, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Winter Hill Bank, FSB, 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 Winter Hill Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28213) · FFIEC NIC profile (RSSD 822275)