Jackson 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.
The biggest quarter-over-quarter change on this page was a small one: Yield to cost spread edged up 0.22 percentage points between Q1 2026 and Q2 2026, to 2.09%. Jackson Savings Bank, SSB ranks 33rd of 38 North Carolina banks on net interest margin, in the lower half at 2.67% (Q2 2026). Jackson Savings Bank, SSB reported 2.67% on net interest margin for Q2 2026, 1.22 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | 5.84% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.37% |
| Cost of interest-bearing deposits | 3.21% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.67% |
| Yield to cost spread | 2.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $334K |
| Total interest expense | $195K |
| Interest expense on deposits | $195K |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.00% | 2.69% | 2.84% | 4.76% |
| Q4 2023 | 5.41% | 2.97% | 3.04% | 5.48% |
| Q1 2024 | 5.15% | 3.07% | 2.78% | 5.02% |
| Q2 2024 | 5.19% | 3.33% | 2.71% | 5.15% |
| Q3 2024 | 5.37% | 3.46% | 2.78% | 5.38% |
| Q4 2024 | 5.58% | 3.43% | 2.99% | 5.94% |
| Q1 2025 | 5.24% | 3.35% | 2.69% | 5.61% |
| Q2 2025 | 5.35% | 3.43% | 2.63% | 5.75% |
| Q3 2025 | 5.36% | 3.51% | 2.56% | 5.71% |
| Q4 2025 | 5.31% | 3.52% | 2.50% | 5.61% |
| Q1 2026 | 5.23% | 3.41% | 2.57% | 5.78% |
| Q2 2026 | 5.30% | 3.37% | 2.67% | 5.84% |
Jackson 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 Jackson 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 Jackson Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31266) · FFIEC NIC profile (RSSD 360777)