Belmont Savings Bank, SSB: 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 2.65% to 2.75%, the largest move among the key lines here. Belmont Savings Bank, SSB ranks 31st of 38 North Carolina banks on net interest margin, in the lower half at 2.75% (Q2 2026). Belmont Savings Bank, SSB reported 2.75% on net interest margin for Q2 2026, 1.20 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 5.70% |
| Yield on securities | 3.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 3.06% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.75% |
| Yield to cost spread | 2.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $730K |
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 | 4.18% | 2.22% | 2.18% | 4.56% | 2.04% |
| Q4 2023 | 4.45% | 2.70% | 2.14% | 4.69% | 2.89% |
| Q1 2024 | 4.41% | 2.95% | 1.82% | 4.62% | 2.93% |
| Q2 2024 | 4.73% | 3.16% | 1.95% | 4.93% | 2.90% |
| Q3 2024 | 4.90% | 2.95% | 2.06% | 5.06% | 3.11% |
| Q4 2024 | 5.00% | 3.16% | 2.20% | 5.22% | 3.15% |
| Q1 2025 | 5.03% | 3.09% | 2.27% | 5.21% | 3.70% |
| Q2 2025 | 5.24% | 3.06% | 2.47% | 5.44% | 3.60% |
| Q3 2025 | 5.16% | 3.11% | 2.47% | 5.40% | 3.66% |
| Q4 2025 | 5.22% | 3.00% | 2.54% | 5.45% | 3.74% |
| Q1 2026 | 5.29% | 2.95% | 2.65% | 5.58% | 3.76% |
| Q2 2026 | 5.43% | 2.78% | 2.75% | 5.70% | 3.88% |
Belmont Savings Bank, SSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Belmont Savings Bank, SSB, 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 Belmont Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28035) · FFIEC NIC profile (RSSD 919773)