First 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 3.52%. Within South Carolina, First Community Bank is 27th of 44 on net interest margin, 3.52% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Community Bank sits 0.19 points lower, at 3.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 6.00% |
| Yield on securities | 3.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 2.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.6M |
| Total interest expense | $9.4M |
| Interest expense on deposits | $8.9M |
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 | 4.55% | 1.58% | 3.02% | 4.95% | 3.29% |
| Q4 2023 | 4.79% | 1.92% | 2.94% | 5.13% | 3.43% |
| Q1 2024 | 4.82% | 2.07% | 2.81% | 5.19% | 3.48% |
| Q2 2024 | 4.94% | 2.10% | 2.93% | 5.29% | 3.49% |
| Q3 2024 | 5.08% | 2.16% | 3.01% | 5.54% | 3.42% |
| Q4 2024 | 4.96% | 2.02% | 3.04% | 5.54% | 3.31% |
| Q1 2025 | 4.89% | 1.85% | 3.11% | 5.54% | 3.28% |
| Q2 2025 | 4.99% | 1.86% | 3.22% | 5.67% | 3.32% |
| Q3 2025 | 5.09% | 1.85% | 3.33% | 5.81% | 3.33% |
| Q4 2025 | 5.04% | 1.78% | 3.36% | 5.85% | 3.26% |
| Q1 2026 | 5.03% | 1.80% | 3.34% | 5.85% | 3.23% |
| Q2 2026 | 5.20% | 1.77% | 3.52% | 6.00% | 3.28% |
First 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 First 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 First Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34047) · FFIEC NIC profile (RSSD 2328137)