The Commercial 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.
In Q2 2026, Yield on loans edged up by 0.19 percentage points, from 6.52% to 6.71%, the largest move among the key lines here. Within South Carolina, The Commercial Bank is 37th of 44 on net interest margin, 3.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Commercial Bank sits 0.94 points lower, at 3.01% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.00% |
| Yield on loans | 6.71% |
| Yield on securities | 2.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.02% |
| Cost of interest-bearing deposits | 1.42% |
| Cost of interest-bearing liabilities | 1.52% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.01% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $669K |
| Interest expense on deposits | $596K |
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 | 3.73% | 0.67% | 3.07% | 5.89% | 1.99% |
| Q4 2023 | 3.82% | 0.81% | 3.04% | 6.07% | 1.97% |
| Q1 2024 | 3.85% | 0.86% | 3.01% | 6.19% | 1.96% |
| Q2 2024 | 3.87% | 0.97% | 2.90% | 6.30% | 1.95% |
| Q3 2024 | 3.94% | 1.09% | 2.86% | 6.50% | 1.94% |
| Q4 2024 | 3.90% | 1.12% | 2.81% | 6.45% | 1.93% |
| Q1 2025 | 3.94% | 1.01% | 2.95% | 6.61% | 1.97% |
| Q2 2025 | 3.94% | 1.00% | 2.97% | 6.49% | 2.02% |
| Q3 2025 | 4.07% | 0.96% | 3.14% | 6.74% | 2.06% |
| Q4 2025 | 4.11% | 0.98% | 3.14% | 6.76% | 2.05% |
| Q1 2026 | 3.95% | 1.03% | 2.93% | 6.52% | 2.04% |
| Q2 2026 | 4.00% | 1.02% | 3.01% | 6.71% | 2.02% |
The Commercial 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 The Commercial 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 The Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14642) · FFIEC NIC profile (RSSD 349129)