Wrentham 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.
Compared with Q1 2026, Net interest margin rose 0.20 percentage points in Q2 2026 to 2.12%, the biggest move on this page. On net interest margin, Wrentham Co-Operative Bank is 6th from the bottom among 89 Massachusetts banks, 2.12% (Q2 2026). Wrentham Co-Operative Bank reported 2.12% on net interest margin for Q2 2026, 1.83 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.09% |
| Yield on loans | 4.58% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.12% |
| Yield to cost spread | 1.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $907K |
| Interest expense on deposits | $907K |
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 | 3.24% | 1.28% | 2.05% | 3.66% | 1.19% |
| Q4 2023 | 3.39% | 1.56% | 1.94% | 3.82% | 1.40% |
| Q1 2024 | 3.42% | 1.84% | 1.69% | 3.89% | 1.31% |
| Q2 2024 | 3.73% | 2.24% | 1.61% | 3.99% | 1.63% |
| Q3 2024 | 3.76% | 2.46% | 1.42% | 4.15% | 1.68% |
| Q4 2024 | 3.80% | 2.44% | 1.48% | 4.19% | 1.75% |
| Q1 2025 | 3.50% | 2.30% | 1.52% | 4.22% | 1.16% |
| Q2 2025 | 3.90% | 2.19% | 1.81% | 4.35% | 2.51% |
| Q3 2025 | 3.94% | 2.19% | 1.83% | 4.46% | 2.84% |
| Q4 2025 | 3.96% | 2.16% | 1.89% | 4.47% | 3.00% |
| Q1 2026 | 3.89% | 2.06% | 1.92% | 4.49% | 3.14% |
| Q2 2026 | 4.09% | 2.08% | 2.12% | 4.58% | 3.24% |
Wrentham 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 Wrentham 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 Wrentham Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26576) · FFIEC NIC profile (RSSD 948278)