Bank of York: 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 0.10 percentage points, from 4.13% to 4.23%, the largest move among the key lines here. Within South Carolina, Bank of York is 13th of 44 on net interest margin, 4.23% as of Q2 2026, above the middle of the field. Bank of York reported 4.23% on net interest margin for Q2 2026, 0.28 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.79% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.60% |
| Cost of interest-bearing deposits | 1.03% |
| Cost of interest-bearing liabilities | 1.05% |
| Cost of borrowings | 2.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $422K |
| Interest expense on deposits | $406K |
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 |
|---|---|---|---|
| Q3 2023 | 5.06% | 0.53% | 4.58% |
| Q4 2023 | 5.29% | 0.56% | 4.76% |
| Q1 2024 | 5.22% | 0.56% | 4.69% |
| Q2 2024 | 5.35% | 0.61% | 4.77% |
| Q3 2024 | 5.31% | 0.67% | 4.69% |
| Q4 2024 | 5.18% | 0.66% | 4.57% |
| Q1 2025 | 4.90% | 0.62% | 4.33% |
| Q2 2025 | 5.10% | 0.66% | 4.49% |
| Q3 2025 | 5.21% | 0.68% | 4.58% |
| Q4 2025 | 4.92% | 0.61% | 4.35% |
| Q1 2026 | 4.67% | 0.58% | 4.13% |
| Q2 2026 | 4.79% | 0.60% | 4.23% |
Bank of York 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 York, 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 York profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15104) · FFIEC NIC profile (RSSD 922924)