The Bank of Charlotte County: 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 0.19 percentage points from Q1 2026 to Q2 2026, ending at 4.56% against 4.37%. It was the largest change among the key lines on this page. Within Virginia, The Bank of Charlotte County is 11th of 56 on net interest margin, 4.56% as of Q2 2026, above the middle of the field. The Bank of Charlotte County reported 4.56% on net interest margin for Q2 2026, 0.61 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 6.41% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.28% |
| Cost of interest-bearing liabilities | 1.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 4.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $448K |
| Interest expense on deposits | $445K |
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 | 5.03% | 0.76% | 4.35% | 5.78% | 2.21% |
| Q4 2023 | 5.15% | 0.76% | 4.47% | 5.86% | 2.14% |
| Q1 2024 | 5.27% | 0.90% | 4.45% | 5.94% | 2.08% |
| Q2 2024 | 5.42% | 1.00% | 4.52% | 6.09% | 2.21% |
| Q3 2024 | 5.57% | 1.14% | 4.53% | 6.25% | 2.56% |
| Q4 2024 | 5.65% | 1.12% | 4.65% | 6.39% | 2.38% |
| Q1 2025 | 5.51% | 1.11% | 4.50% | 6.29% | 2.60% |
| Q2 2025 | 5.56% | 1.23% | 4.44% | 6.34% | 2.62% |
| Q3 2025 | 5.61% | 1.25% | 4.50% | 6.48% | 2.86% |
| Q4 2025 | 5.39% | 1.11% | 4.39% | 6.42% | 3.01% |
| Q1 2026 | 5.26% | 0.97% | 4.37% | 6.37% | 3.14% |
| Q2 2026 | 5.36% | 0.91% | 4.56% | 6.41% | 3.30% |
The Bank of Charlotte County yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Charlotte County, 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 The Bank of Charlotte County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14491) · FFIEC NIC profile (RSSD 667524)