Morganton Savings Bank, S.S.B.: 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 0.59 percentage points in Q2 2026 to 3.79%, the biggest move on this page. Within North Carolina, Morganton Savings Bank, S.S.B. is 16th of 38 on net interest margin, 3.75% as of Q2 2026, above the middle of the field. Morganton Savings Bank, S.S.B. reported 3.75% on net interest margin for Q2 2026, 0.20 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.80% |
| Yield on loans | 5.07% |
| Yield on securities | 3.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.26% |
| Cost of interest-bearing deposits | 1.31% |
| Cost of interest-bearing liabilities | 1.52% |
| Cost of borrowings | 4.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $855K |
| Total interest expense | $266K |
| Interest expense on deposits | $213K |
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 | 4.59% | 0.99% | 3.76% | 4.75% | 3.70% |
| Q4 2023 | 5.53% | 1.19% | 4.55% | 4.82% | 3.68% |
| Q1 2024 | 4.77% | 1.11% | 3.88% | 4.86% | 3.51% |
| Q2 2024 | 6.96% | 1.11% | 6.06% | 4.88% | 4.20% |
| Q3 2024 | 4.96% | 1.06% | 4.08% | 4.90% | 3.93% |
| Q4 2024 | 4.78% | 1.16% | 3.87% | 4.85% | 4.21% |
| Q1 2025 | 4.75% | 1.15% | 3.79% | 4.85% | 4.09% |
| Q2 2025 | 4.88% | 1.21% | 3.87% | 5.01% | 4.16% |
| Q3 2025 | 4.89% | 1.21% | 3.83% | 4.99% | 4.35% |
| Q4 2025 | 3.73% | 1.22% | 2.69% | 5.10% | 3.92% |
| Q1 2026 | 4.58% | 1.24% | 3.54% | 5.02% | 4.38% |
| Q2 2026 | 4.80% | 1.26% | 3.75% | 5.07% | 3.79% |
Morganton Savings Bank, S.S.B. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Morganton Savings Bank, S.S.B., 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 Morganton Savings Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30434) · FFIEC NIC profile (RSSD 332671)