Home Federal Savings and Loan Association: 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, Yield on securities fell 0.66 percentage points in Q2 2026 to 0.67%, the biggest move on this page. Within South Carolina, Home Federal Savings and Loan Association is 22nd of 44 on net interest margin, 3.74% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Home Federal Savings and Loan Association sits 0.15 points lower, at 3.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | 6.47% |
| Yield on securities | 0.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.56% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $524K |
| Total interest expense | $212K |
| Interest expense on deposits | $212K |
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 | 5.15% | 2.15% | 3.24% | 5.42% | 1.41% |
| Q4 2023 | 5.26% | 2.68% | 2.88% | 5.55% | 1.41% |
| Q1 2024 | 5.52% | 2.98% | 2.84% | 5.84% | 1.41% |
| Q2 2024 | 5.76% | 3.05% | 3.02% | 6.12% | 1.42% |
| Q3 2024 | 5.93% | 3.06% | 3.18% | 6.27% | 1.07% |
| Q4 2024 | 5.83% | 2.96% | 3.19% | 6.21% | 1.33% |
| Q1 2025 | 6.03% | 2.79% | 3.54% | 6.48% | 1.15% |
| Q2 2025 | 5.98% | 2.68% | 3.61% | 6.38% | 1.59% |
| Q3 2025 | 5.96% | 2.66% | 3.62% | 6.37% | 1.33% |
| Q4 2025 | 5.90% | 2.55% | 3.66% | 6.40% | 1.33% |
| Q1 2026 | 5.73% | 2.52% | 3.52% | 6.25% | 1.33% |
| Q2 2026 | 6.01% | 2.56% | 3.74% | 6.47% | 0.67% |
Home Federal Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Savings and Loan Association, 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 Home Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31774) · FFIEC NIC profile (RSSD 582878)