Blue Ridge Bank: 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.
Between Q1 2026 and Q2 2026, none of the key lines on this page moved by much; the largest change was in Yield on loans, from 5.98% to 6.02%. On net interest margin, Blue Ridge Bank ranks 3rd highest among the 44 banks headquartered in South Carolina, at 4.86% (Q2 2026). Blue Ridge Bank reported 4.86% on net interest margin for Q2 2026, 0.91 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 6.02% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.58% |
| Cost of interest-bearing deposits | 1.23% |
| Cost of interest-bearing liabilities | 1.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.86% |
| Yield to cost spread | 4.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $262K |
| Interest expense on deposits | $262K |
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 | 4.98% | 0.32% | 4.67% | 5.38% | 3.44% |
| Q4 2023 | 5.02% | 0.47% | 4.57% | 5.41% | 3.41% |
| Q1 2024 | 5.11% | 0.50% | 4.63% | 5.50% | 3.40% |
| Q2 2024 | 5.35% | 0.50% | 4.87% | 5.80% | 3.35% |
| Q3 2024 | 5.43% | 0.53% | 4.93% | 5.89% | 3.38% |
| Q4 2024 | 5.32% | 0.53% | 4.82% | 5.81% | 3.37% |
| Q1 2025 | 5.22% | 0.52% | 4.72% | 5.74% | 3.57% |
| Q2 2025 | 5.32% | 0.57% | 4.78% | 5.91% | 3.38% |
| Q3 2025 | 5.52% | 0.61% | 4.92% | 6.02% | 3.89% |
| Q4 2025 | 5.38% | 0.62% | 4.78% | 5.95% | 3.81% |
| Q1 2026 | 5.42% | 0.59% | 4.85% | 5.98% | 3.84% |
| Q2 2026 | 5.43% | 0.58% | 4.86% | 6.02% | 3.84% |
Blue Ridge Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue Ridge Bank, 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 Blue Ridge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17773) · FFIEC NIC profile (RSSD 174321)