Abbeville First Bank, SSB: 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 3.73% to 3.84%, the largest move among the key lines here. Abbeville First Bank, SSB ranks 18th of 44 South Carolina banks on net interest margin, in the upper half at 3.84% (Q2 2026). At 3.84%, Abbeville First Bank, SSB's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 6.09% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | 4.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $505K |
| Interest expense on deposits | $390K |
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 | 4.51% | 1.25% | 3.16% | 5.22% | 3.31% |
| Q4 2023 | 4.50% | 1.36% | 3.20% | 5.45% | 2.98% |
| Q1 2024 | 4.76% | 1.69% | 3.17% | 5.23% | 3.85% |
| Q2 2024 | 5.00% | 1.83% | 3.29% | 5.47% | 3.80% |
| Q3 2024 | 5.05% | 1.84% | 3.33% | 5.62% | 3.85% |
| Q4 2024 | 5.17% | 1.77% | 3.52% | 5.88% | 3.91% |
| Q1 2025 | 4.87% | 1.62% | 3.39% | 5.62% | 3.61% |
| Q2 2025 | 5.11% | 1.63% | 3.60% | 5.87% | 3.68% |
| Q3 2025 | 5.12% | 1.62% | 3.63% | 6.12% | 3.38% |
| Q4 2025 | 5.42% | 1.73% | 3.82% | 6.37% | 3.69% |
| Q1 2026 | 5.24% | 1.64% | 3.73% | 6.09% | 3.66% |
| Q2 2026 | 5.33% | 1.61% | 3.84% | 6.09% | 3.74% |
Abbeville First Bank, SSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Abbeville First Bank, SSB, 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 Abbeville First Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30619) · FFIEC NIC profile (RSSD 416272)