Coastal Carolina National 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 standout move of Q2 2026 was in Total interest expense: 12.5% higher than in Q1 2026, at $6.3M. Within South Carolina, Coastal Carolina National Bank is 26th of 44 on net interest margin, 3.60% 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; Coastal Carolina National Bank reported 3.60% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.2M |
| Total interest expense | $6.3M |
| Interest expense on deposits | $6.3M |
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 | 5.03% | 1.82% | 3.33% |
| Q4 2023 | 5.20% | 2.13% | 3.19% |
| Q1 2024 | 5.24% | 2.29% | 3.10% |
| Q2 2024 | 5.43% | 2.38% | 3.21% |
| Q3 2024 | 5.53% | 2.45% | 3.23% |
| Q4 2024 | 5.52% | 2.29% | 3.37% |
| Q1 2025 | 5.48% | 2.09% | 3.52% |
| Q2 2025 | 5.63% | 2.15% | 3.60% |
| Q3 2025 | 5.66% | 2.28% | 3.51% |
| Q4 2025 | 5.61% | 2.12% | 3.59% |
| Q1 2026 | 5.48% | 1.99% | 3.63% |
| Q2 2026 | 5.59% | 2.15% | 3.60% |
Coastal Carolina National 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 Coastal Carolina National 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 Coastal Carolina National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58864) · FFIEC NIC profile (RSSD 3821822)