The Bank of Clarendon: 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.17 percentage points to 3.87%. Within South Carolina, The Bank of Clarendon is 17th of 44 on net interest margin, 3.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Bank of Clarendon reported 3.87% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | 6.26% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.04% |
| Cost of interest-bearing deposits | 1.48% |
| Cost of interest-bearing liabilities | 1.48% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 4.17% | 0.80% | 3.43% | 5.51% | 2.18% |
| Q4 2023 | 4.29% | 0.99% | 3.38% | 5.64% | 2.26% |
| Q1 2024 | 4.37% | 1.20% | 3.26% | 5.75% | 2.39% |
| Q2 2024 | 4.46% | 1.17% | 3.38% | 5.83% | 2.51% |
| Q3 2024 | 4.57% | 1.22% | 3.44% | 6.00% | 2.64% |
| Q4 2024 | 4.61% | 1.23% | 3.49% | 6.07% | 2.79% |
| Q1 2025 | 4.55% | 1.23% | 3.42% | 6.01% | 2.83% |
| Q2 2025 | 4.75% | 1.17% | 3.68% | 6.20% | 2.97% |
| Q3 2025 | 4.82% | 1.15% | 3.77% | 6.31% | 3.01% |
| Q4 2025 | 4.83% | 1.10% | 3.82% | 6.33% | 3.03% |
| Q1 2026 | 4.68% | 1.07% | 3.70% | 6.17% | 3.01% |
| Q2 2026 | 4.83% | 1.04% | 3.87% | 6.26% | 3.12% |
The Bank of Clarendon 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 Clarendon, 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 Clarendon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15671) · FFIEC NIC profile (RSSD 3720)