Enterprise Bank of South Carolina: 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 0.28 percentage points in Q2 2026 to 3.91%, the biggest move on this page. Enterprise Bank of South Carolina ranks 16th of 44 South Carolina banks on net interest margin, in the upper half at 3.91% (Q2 2026). At 3.91%, Enterprise Bank of South Carolina's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.28% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.07% |
| Cost of interest-bearing deposits | 1.35% |
| Cost of interest-bearing liabilities | 1.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.3M |
| 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 | 4.29% | 1.17% | 3.11% | 5.48% | 2.31% |
| Q4 2023 | 4.56% | 1.16% | 3.39% | 5.76% | 2.52% |
| Q1 2024 | 4.45% | 1.23% | 3.22% | 5.75% | 2.41% |
| Q2 2024 | 4.51% | 1.36% | 3.14% | 5.76% | 2.47% |
| Q3 2024 | 4.56% | 1.41% | 3.15% | 6.03% | 2.48% |
| Q4 2024 | 4.48% | 1.42% | 3.07% | 5.78% | 2.62% |
| Q1 2025 | 4.65% | 1.44% | 3.23% | 6.24% | 2.65% |
| Q2 2025 | 5.07% | 1.44% | 3.65% | 6.66% | 2.72% |
| Q3 2025 | 4.89% | 1.34% | 3.57% | 6.30% | 2.78% |
| Q4 2025 | 4.89% | 1.17% | 3.74% | 6.30% | 2.82% |
| Q1 2026 | 4.65% | 1.06% | 3.63% | 6.03% | 2.81% |
| Q2 2026 | 4.94% | 1.07% | 3.91% | 6.28% | 2.87% |
Enterprise Bank of South Carolina yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank of South Carolina, 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 Enterprise Bank of South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11539) · FFIEC NIC profile (RSSD 457426)