Bank of Travelers Rest: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 3.32%. Bank of Travelers Rest ranks 32nd of 44 South Carolina banks on net interest margin, in the lower half at 3.32% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of Travelers Rest sits 0.39 points lower, at 3.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.91% |
| Yield on loans | 5.99% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 2.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.32% |
| Yield to cost spread | 2.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.7M |
| Total interest expense | $6.1M |
| Interest expense on deposits | $6.0M |
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 | 4.38% | 1.59% | 2.89% | 5.37% | 2.72% |
| Q4 2023 | 4.56% | 1.87% | 2.81% | 5.51% | 2.69% |
| Q1 2024 | 4.54% | 1.92% | 2.72% | 5.55% | 2.69% |
| Q2 2024 | 4.77% | 1.95% | 2.92% | 5.71% | 2.82% |
| Q3 2024 | 4.82% | 1.99% | 2.95% | 5.86% | 2.86% |
| Q4 2024 | 4.86% | 1.88% | 3.10% | 5.93% | 2.88% |
| Q1 2025 | 4.74% | 1.80% | 3.04% | 5.85% | 2.87% |
| Q2 2025 | 4.89% | 1.80% | 3.20% | 5.91% | 2.96% |
| Q3 2025 | 4.93% | 1.83% | 3.22% | 6.04% | 3.01% |
| Q4 2025 | 4.96% | 1.78% | 3.30% | 6.05% | 3.04% |
| Q1 2026 | 4.83% | 1.72% | 3.22% | 5.91% | 3.08% |
| Q2 2026 | 4.91% | 1.70% | 3.32% | 5.99% | 3.10% |
Bank of Travelers Rest yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Travelers Rest, 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 Bank of Travelers Rest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16389) · FFIEC NIC profile (RSSD 589523)