Dedicated Community 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.
Compared with Q1 2026, Net interest margin rose 0.29 percentage points in Q2 2026 to 4.69%, the biggest move on this page. Within South Carolina, Dedicated Community Bank is 6th of 44 on net interest margin, 4.69% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Dedicated Community Bank sits 0.74 points higher, at 4.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.69% |
| Yield to cost spread | 4.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $267K |
| Interest expense on deposits | $262K |
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 | 5.19% | 0.99% | 4.24% |
| Q4 2023 | 5.37% | 1.42% | 4.04% |
| Q1 2024 | 5.21% | 1.58% | 3.76% |
| Q2 2024 | 5.48% | 1.61% | 4.01% |
| Q3 2024 | 5.48% | 1.54% | 4.06% |
| Q4 2024 | 5.53% | 1.45% | 4.20% |
| Q1 2025 | 5.34% | 1.40% | 4.03% |
| Q2 2025 | 5.58% | 1.42% | 4.26% |
| Q3 2025 | 5.89% | 1.37% | 4.61% |
| Q4 2025 | 5.83% | 1.30% | 4.60% |
| Q1 2026 | 5.57% | 1.24% | 4.40% |
| Q2 2026 | 5.81% | 1.20% | 4.69% |
Dedicated Community 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 Dedicated Community 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 Dedicated Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26588) · FFIEC NIC profile (RSSD 513322)