First National 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 Q2 2026, Cost of borrowings rose 0.57 percentage points in Q3 2026 to 0.96%, the biggest move on this page. Within South Carolina, First National Bank of South Carolina is 18th of 44 on net interest margin, 3.84% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First National Bank of South Carolina reported 3.84% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.55% |
| Yield on loans | 6.73% |
| Yield on securities | 2.01% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.79% |
| Cost of interest-bearing deposits | 1.16% |
| Cost of interest-bearing liabilities | 1.15% |
| Cost of borrowings | 0.96% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $528K |
| Interest expense on deposits | $525K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.27% | 0.43% | 3.88% | 6.08% | 1.36% |
| Q1 2024 | 4.21% | 0.56% | 3.69% | 6.08% | 1.39% |
| Q2 2024 | 4.45% | 0.69% | 3.81% | 6.18% | 1.44% |
| Q3 2024 | 4.43% | 0.80% | 3.69% | 6.30% | 1.45% |
| Q4 2024 | 4.48% | 0.71% | 3.83% | 6.35% | 1.50% |
| Q1 2025 | 4.33% | 0.71% | 3.68% | 6.34% | 1.50% |
| Q2 2025 | 4.59% | 0.80% | 3.86% | 6.63% | 1.52% |
| Q3 2025 | 4.50% | 0.86% | 3.71% | 6.64% | 1.54% |
| Q4 2025 | 4.55% | 0.87% | 3.77% | 6.59% | 1.66% |
| Q1 2026 | 4.44% | 0.82% | 3.69% | 6.58% | 1.79% |
| Q2 2026 | 4.47% | 0.79% | 3.75% | 6.49% | 1.83% |
| Q3 2026 | 4.55% | 0.79% | 3.84% | 6.73% | 2.01% |
First National 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 First National 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 First National Bank of South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2107) · FFIEC NIC profile (RSSD 347022)