Arthur State 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 0.14 percentage points in Q2 2026 to 4.51%, the biggest move on this page. Arthur State Bank ranks 7th of 44 South Carolina banks on net interest margin, in the upper half at 4.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Arthur State Bank sits 0.57 points higher, at 4.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 6.08% |
| Yield on securities | 2.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.78% |
| Cost of interest-bearing deposits | 0.73% |
| Cost of interest-bearing liabilities | 1.04% |
| Cost of borrowings | 3.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 4.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.3M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $899K |
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 | 3.80% | 0.49% | 3.35% | 4.52% | 1.85% |
| Q4 2023 | 4.00% | 0.67% | 3.38% | 4.79% | 1.81% |
| Q1 2024 | 4.04% | 0.72% | 3.37% | 4.77% | 2.02% |
| Q2 2024 | 4.35% | 0.68% | 3.69% | 5.17% | 2.05% |
| Q3 2024 | 4.61% | 0.75% | 3.87% | 5.37% | 2.19% |
| Q4 2024 | 5.09% | 0.59% | 4.53% | 5.56% | 3.74% |
| Q1 2025 | 4.82% | 0.60% | 4.23% | 5.65% | 2.07% |
| Q2 2025 | 5.04% | 0.66% | 4.40% | 5.83% | 2.26% |
| Q3 2025 | 5.13% | 0.78% | 4.37% | 6.00% | 2.07% |
| Q4 2025 | 5.15% | 0.78% | 4.40% | 6.01% | 2.10% |
| Q1 2026 | 5.15% | 0.79% | 4.37% | 5.93% | 2.13% |
| Q2 2026 | 5.26% | 0.78% | 4.51% | 6.08% | 2.19% |
Arthur State 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 Arthur State 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 Arthur State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15085) · FFIEC NIC profile (RSSD 591320)