Coastal States 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 0.11 percentage points between Q1 2026 and Q2 2026, to 3.65%. Coastal States Bank ranks 24th of 44 South Carolina banks on net interest margin, in the lower half at 3.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Coastal States Bank reported 3.65% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 6.34% |
| Yield on securities | 4.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 2.92% |
| Cost of interest-bearing liabilities | 2.94% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.1M |
| Total interest expense | $12.9M |
| Interest expense on deposits | $12.5M |
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 | 5.78% | 2.51% | 3.46% | 6.56% | 2.94% |
| Q4 2023 | 6.07% | 2.75% | 3.56% | 6.85% | 3.20% |
| Q1 2024 | 6.04% | 2.97% | 3.28% | 6.65% | 3.77% |
| Q2 2024 | 6.30% | 3.04% | 3.48% | 6.78% | 4.47% |
| Q3 2024 | 6.36% | 3.18% | 3.42% | 6.88% | 4.39% |
| Q4 2024 | 6.02% | 2.97% | 3.30% | 6.51% | 4.20% |
| Q1 2025 | 5.93% | 2.75% | 3.40% | 6.42% | 4.21% |
| Q2 2025 | 6.04% | 2.75% | 3.50% | 6.48% | 4.26% |
| Q3 2025 | 6.17% | 2.73% | 3.68% | 6.55% | 4.57% |
| Q4 2025 | 6.02% | 2.64% | 3.63% | 6.47% | 4.18% |
| Q1 2026 | 5.84% | 2.52% | 3.54% | 6.32% | 4.02% |
| Q2 2026 | 5.92% | 2.48% | 3.65% | 6.34% | 4.12% |
Coastal States 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 States 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 States Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57756) · FFIEC NIC profile (RSSD 3274709)