Countybank: 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.
Compared with Q1 2026, Cost of borrowings rose 0.29 percentage points in Q2 2026 to 2.08%, the biggest move on this page. Countybank ranks 15th of 44 South Carolina banks on net interest margin, in the upper half at 3.95% (Q2 2026). At 3.95%, Countybank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | 6.08% |
| Yield on securities | 2.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.15% |
| Cost of interest-bearing liabilities | 1.20% |
| Cost of borrowings | 2.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.3M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.45% | 0.74% | 3.53% | 5.66% | 2.53% |
| Q4 2023 | 4.59% | 0.91% | 3.47% | 5.76% | 2.61% |
| Q1 2024 | 4.51% | 1.02% | 3.30% | 5.64% | 2.47% |
| Q2 2024 | 4.65% | 1.06% | 3.38% | 5.78% | 2.50% |
| Q3 2024 | 4.70% | 1.14% | 3.35% | 5.84% | 2.44% |
| Q4 2024 | 4.76% | 0.97% | 3.61% | 5.95% | 2.46% |
| Q1 2025 | 4.67% | 1.03% | 3.63% | 5.78% | 2.61% |
| Q2 2025 | 4.75% | 1.02% | 3.74% | 5.89% | 2.68% |
| Q3 2025 | 4.78% | 1.07% | 3.73% | 5.95% | 2.78% |
| Q4 2025 | 4.75% | 0.98% | 3.79% | 6.02% | 2.82% |
| Q1 2026 | 4.71% | 0.92% | 3.81% | 6.01% | 2.82% |
| Q2 2026 | 4.84% | 0.91% | 3.95% | 6.08% | 2.93% |
Countybank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Countybank, 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 Countybank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9155) · FFIEC NIC profile (RSSD 271529)