First Capital 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.
Total interest expense climbed 9.7% in Q2 2026, from $8.3M to $9.1M. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, First Capital Bank is 28th of 44 on net interest margin, 3.41% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Capital Bank sits 0.30 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.35% |
| Yield on loans | 6.58% |
| Yield on securities | 5.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.14% |
| Cost of interest-bearing deposits | 3.35% |
| Cost of interest-bearing liabilities | 3.44% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.8M |
| Total interest expense | $9.1M |
| Interest expense on deposits | $8.3M |
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 | 6.01% | 3.25% | 3.03% | 6.13% | 5.13% |
| Q4 2023 | 6.18% | 3.61% | 2.88% | 6.27% | 5.29% |
| Q1 2024 | 6.13% | 3.51% | 2.87% | 6.25% | 4.89% |
| Q2 2024 | 6.27% | 3.57% | 2.98% | 6.39% | 5.10% |
| Q3 2024 | 6.48% | 3.77% | 3.05% | 6.65% | 5.21% |
| Q4 2024 | 6.49% | 3.50% | 3.25% | 6.63% | 5.31% |
| Q1 2025 | 6.35% | 3.25% | 3.33% | 6.50% | 5.89% |
| Q2 2025 | 6.40% | 3.30% | 3.33% | 6.58% | 5.39% |
| Q3 2025 | 6.52% | 3.34% | 3.39% | 6.74% | 5.59% |
| Q4 2025 | 6.43% | 3.17% | 3.39% | 6.63% | 5.72% |
| Q1 2026 | 6.29% | 3.05% | 3.43% | 6.49% | 5.70% |
| Q2 2026 | 6.35% | 3.14% | 3.41% | 6.58% | 5.99% |
First Capital 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 First Capital 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 First Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34966) · FFIEC NIC profile (RSSD 2849463)