Carolina Bank & Trust Company: 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.
Total interest expense fell 5.3% from Q1 2026 to Q2 2026, ending at $2.6M against $2.7M. It was the largest change among the key lines on this page. Carolina Bank & Trust Company ranks 12th of 44 South Carolina banks on net interest margin, in the upper half at 4.25% (Q2 2026). Carolina Bank & Trust Company reported 4.25% on net interest margin for Q2 2026, 0.30 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 6.16% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.3M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 4.78% | 1.07% | 3.82% | 5.20% | 2.75% |
| Q4 2023 | 5.15% | 1.31% | 3.97% | 5.47% | 3.19% |
| Q1 2024 | 5.26% | 1.53% | 3.90% | 5.61% | 3.56% |
| Q2 2024 | 5.34% | 1.65% | 3.88% | 5.66% | 3.08% |
| Q3 2024 | 5.51% | 1.75% | 3.96% | 5.87% | 3.36% |
| Q4 2024 | 5.48% | 1.76% | 3.92% | 5.86% | 3.43% |
| Q1 2025 | 5.34% | 1.76% | 3.76% | 5.81% | 3.40% |
| Q2 2025 | 5.61% | 1.68% | 4.10% | 6.07% | 3.51% |
| Q3 2025 | 5.44% | 1.66% | 3.97% | 6.07% | 3.45% |
| Q4 2025 | 5.47% | 1.56% | 4.08% | 6.13% | 3.45% |
| Q1 2026 | 5.30% | 1.46% | 3.99% | 6.03% | 3.39% |
| Q2 2026 | 5.53% | 1.44% | 4.25% | 6.16% | 3.42% |
Carolina Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carolina Bank & Trust Company, 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 Carolina Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16723) · FFIEC NIC profile (RSSD 355120)