Kingstree 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 0.31 percentage points in Q2 2026 to 1.67%, the biggest move on this page. Kingstree Federal Savings and Loan Association has the 1st lowest net interest margin of the 44 banks headquartered in South Carolina, at 1.85% as of Q2 2026. Kingstree Federal Savings and Loan Association's net interest margin of 1.85% is well below the 3.89% median for banks in the < $100M asset tier, a gap of 2.04 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | 5.38% |
| Yield on securities | 1.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.96% |
| Cost of interest-bearing deposits | 3.10% |
| Cost of interest-bearing liabilities | 3.10% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.85% |
| Yield to cost spread | 1.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $373K |
| Total interest expense | $257K |
| Interest expense on deposits | $257K |
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 | 4.02% | 2.45% | 1.81% | 4.82% | 1.71% |
| Q4 2023 | 4.24% | 2.58% | 1.67% | 4.92% | 2.37% |
| Q1 2024 | 4.29% | 3.11% | 1.51% | 5.09% | 2.15% |
| Q2 2024 | 4.33% | 3.23% | 1.37% | 5.00% | 2.22% |
| Q3 2024 | 4.42% | 3.10% | 1.56% | 4.90% | 1.95% |
| Q4 2024 | 4.32% | 3.21% | 1.38% | 5.00% | 1.84% |
| Q1 2025 | 4.56% | 3.12% | 1.70% | 5.41% | 1.63% |
| Q2 2025 | 4.51% | 3.02% | 1.63% | 5.36% | 1.64% |
| Q3 2025 | 4.42% | 3.04% | 1.62% | 5.10% | 2.06% |
| Q4 2025 | 4.49% | 2.98% | 1.77% | 5.24% | 1.90% |
| Q1 2026 | 4.61% | 2.72% | 1.97% | 5.37% | 1.98% |
| Q2 2026 | 4.58% | 2.96% | 1.85% | 5.38% | 1.67% |
Kingstree 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 Kingstree 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 Kingstree Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29486) · FFIEC NIC profile (RSSD 440978)