CBL State Savings 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.05 percentage points between Q1 2026 and Q2 2026, to 2.16%. CBL State Savings Bank has the 2nd lowest net interest margin of the 44 banks headquartered in South Carolina, at 2.16% as of Q2 2026. CBL State Savings Bank reported 2.16% on net interest margin for Q2 2026, 1.79 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.51% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.51% |
| Cost of borrowings | 4.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.16% |
| Yield to cost spread | 1.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $996K |
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 | 4.46% | 2.85% | 2.14% |
| Q4 2023 | 4.52% | 3.33% | 1.80% |
| Q1 2024 | 4.63% | 3.68% | 1.59% |
| Q2 2024 | 5.20% | 4.06% | 1.75% |
| Q3 2024 | 5.08% | 4.08% | 1.60% |
| Q4 2024 | 4.93% | 3.97% | 1.52% |
| Q1 2025 | 5.08% | 3.69% | 1.82% |
| Q2 2025 | 5.01% | 3.64% | 1.91% |
| Q3 2025 | 5.17% | 3.71% | 1.94% |
| Q4 2025 | 5.24% | 3.67% | 2.01% |
| Q1 2026 | 5.21% | 3.53% | 2.11% |
| Q2 2026 | 5.24% | 3.51% | 2.16% |
CBL State Savings 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 CBL State Savings 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 CBL State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31900) · FFIEC NIC profile (RSSD 851172)