Oconee 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 2.94%. Within South Carolina, Oconee Federal Savings and Loan Association is 38th of 44 on net interest margin, 2.94% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Oconee Federal Savings and Loan Association sits 1.01 points lower, at 2.94% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 5.30% |
| Yield on securities | 2.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.94% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.5M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.6M |
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 | 3.75% | 1.94% | 1.99% | 4.38% | 2.03% |
| Q4 2023 | 3.85% | 2.18% | 1.87% | 4.46% | 2.04% |
| Q1 2024 | 4.13% | 2.25% | 2.07% | 4.75% | 2.17% |
| Q2 2024 | 4.25% | 2.20% | 2.23% | 4.89% | 2.19% |
| Q3 2024 | 4.29% | 2.18% | 2.28% | 4.92% | 2.24% |
| Q4 2024 | 4.34% | 2.12% | 2.41% | 4.97% | 2.24% |
| Q1 2025 | 4.45% | 2.06% | 2.57% | 5.10% | 2.25% |
| Q2 2025 | 4.56% | 2.04% | 2.69% | 5.22% | 2.26% |
| Q3 2025 | 4.54% | 2.05% | 2.66% | 5.18% | 2.30% |
| Q4 2025 | 4.59% | 2.02% | 2.75% | 5.23% | 2.35% |
| Q1 2026 | 4.63% | 1.94% | 2.86% | 5.26% | 2.42% |
| Q2 2026 | 4.67% | 1.90% | 2.94% | 5.30% | 2.47% |
Oconee 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 Oconee 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 Oconee Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30111) · FFIEC NIC profile (RSSD 853671)