Hertford Savings Bank, SSB: 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, Yield on securities fell 0.45 percentage points in Q3 2026 to 3.19%, the biggest move on this page. Hertford Savings Bank, SSB ranks 25th of 38 North Carolina banks on net interest margin, in the lower half at 3.15% (Q3 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Hertford Savings Bank, SSB sits 0.74 points lower, at 3.15% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 5.90% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $223K |
| Total interest expense | $117K |
| Interest expense on deposits | $117K |
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 | 5.32% | 2.11% | 3.41% | 5.58% | 3.26% |
| Q1 2024 | 5.32% | 1.67% | 3.12% | 5.53% | 3.52% |
| Q2 2024 | 5.22% | 1.80% | 2.81% | 5.49% | 3.12% |
| Q3 2024 | 5.08% | 2.48% | 2.59% | 5.25% | 3.61% |
| Q4 2024 | 5.68% | 2.69% | 3.10% | 5.96% | 3.41% |
| Q1 2025 | 5.40% | 2.68% | 2.99% | 5.71% | 3.42% |
| Q2 2025 | 5.31% | 2.57% | 2.81% | 5.87% | 3.43% |
| Q3 2025 | 5.44% | 2.52% | 2.96% | 5.90% | 3.24% |
| Q4 2025 | 5.49% | 2.49% | 2.93% | 5.97% | 3.31% |
| Q1 2026 | 5.40% | 2.35% | 2.91% | 5.80% | 3.36% |
| Q2 2026 | 5.48% | 2.30% | 3.02% | 5.83% | 3.64% |
| Q3 2026 | 5.60% | 2.28% | 3.15% | 5.90% | 3.19% |
Hertford Savings Bank, SSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hertford Savings Bank, SSB, 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 Hertford Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31345) · FFIEC NIC profile (RSSD 971379)