Carter Bank & Trust: 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 standout move of Q2 2026 was in Cost of borrowings: 1.19 percentage points higher than in Q1 2026, at 5.16%. Within Virginia, Carter Bank & Trust is 44th of 56 on net interest margin, 3.39% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Carter Bank & Trust sits 0.32 points lower, at 3.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 5.70% |
| Yield on securities | 3.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 5.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $52.9M |
| Total interest expense | $21.5M |
| Interest expense on deposits | $21.4M |
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 | 4.51% | 2.13% | 2.54% | 4.82% | 3.47% |
| Q4 2023 | 4.69% | 2.38% | 2.49% | 5.00% | 3.60% |
| Q1 2024 | 4.86% | 2.48% | 2.56% | 5.20% | 3.62% |
| Q2 2024 | 4.90% | 2.56% | 2.53% | 5.23% | 3.66% |
| Q3 2024 | 5.06% | 2.68% | 2.58% | 5.36% | 3.55% |
| Q4 2024 | 4.98% | 2.60% | 2.58% | 5.36% | 3.37% |
| Q1 2025 | 4.90% | 2.44% | 2.64% | 5.31% | 3.29% |
| Q2 2025 | 4.97% | 2.34% | 2.79% | 5.38% | 3.32% |
| Q3 2025 | 5.04% | 2.33% | 2.88% | 5.45% | 3.32% |
| Q4 2025 | 5.03% | 2.25% | 2.94% | 5.44% | 3.21% |
| Q1 2026 | 4.99% | 2.11% | 3.04% | 5.39% | 3.04% |
| Q2 2026 | 5.20% | 2.01% | 3.39% | 5.70% | 3.28% |
Carter Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carter Bank & Trust, 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 Carter Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58596) · FFIEC NIC profile (RSSD 3476192)