1st Federal Savings Bank of SC, Inc.: 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 0.29 percentage points from Q1 2026 to Q2 2026, ending at 4.41% against 4.12%. It was the largest change among the key lines on this page. Within South Carolina, 1st Federal Savings Bank of SC, Inc. is 8th of 44 on net interest margin, 4.41% as of Q2 2026, above the middle of the field. 1st Federal Savings Bank of SC, Inc. reported 4.41% on net interest margin for Q2 2026, 0.46 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 5.74% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.02% |
| Cost of interest-bearing deposits | 1.23% |
| Cost of interest-bearing liabilities | 1.24% |
| Cost of borrowings | 3.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 4.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $342K |
| Interest expense on deposits | $329K |
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 | 4.09% | 0.81% | 3.33% | 4.84% | 1.98% |
| Q4 2023 | 4.29% | 0.98% | 3.35% | 4.92% | 2.01% |
| Q1 2024 | 4.50% | 1.38% | 3.18% | 5.09% | 1.97% |
| Q2 2024 | 4.54% | 1.66% | 2.92% | 5.19% | 2.01% |
| Q3 2024 | 4.73% | 1.65% | 3.16% | 5.44% | 2.02% |
| Q4 2024 | 5.17% | 1.58% | 3.70% | 5.43% | 3.06% |
| Q1 2025 | 5.10% | 1.87% | 3.83% | 5.42% | 3.01% |
| Q2 2025 | 5.26% | 1.16% | 4.16% | 5.56% | 3.33% |
| Q3 2025 | 5.34% | 1.47% | 4.34% | 5.67% | 3.16% |
| Q4 2025 | 5.14% | 0.94% | 4.24% | 5.51% | 2.65% |
| Q1 2026 | 5.08% | 1.02% | 4.12% | 5.60% | 2.85% |
| Q2 2026 | 5.37% | 1.02% | 4.41% | 5.74% | 3.16% |
1st Federal Savings Bank of SC, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Federal Savings Bank of SC, Inc., 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 1st Federal Savings Bank of SC, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31410) · FFIEC NIC profile (RSSD 535575)