Palmetto State Bank: 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, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.41%, the biggest move on this page. Within South Carolina, Palmetto State Bank is 28th of 44 on net interest margin, 3.41% 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. Palmetto State Bank sits 0.54 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.35% |
| Yield on loans | 6.97% |
| Yield on securities | 2.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.04% |
| Cost of interest-bearing deposits | 1.29% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.2M |
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 | 3.57% | 0.65% | 2.99% | 5.92% | 2.24% |
| Q4 2023 | 3.65% | 0.83% | 2.92% | 6.07% | 2.26% |
| Q1 2024 | 3.66% | 1.02% | 2.76% | 6.16% | 2.27% |
| Q2 2024 | 3.85% | 1.02% | 2.95% | 6.20% | 2.25% |
| Q3 2024 | 3.83% | 1.01% | 2.93% | 6.25% | 2.24% |
| Q4 2024 | 4.02% | 1.01% | 3.13% | 6.59% | 2.27% |
| Q1 2025 | 4.04% | 1.04% | 3.09% | 6.64% | 2.35% |
| Q2 2025 | 4.15% | 1.02% | 3.23% | 6.74% | 2.35% |
| Q3 2025 | 4.20% | 1.05% | 3.28% | 6.84% | 2.37% |
| Q4 2025 | 4.26% | 1.04% | 3.34% | 6.96% | 2.35% |
| Q1 2026 | 4.19% | 1.03% | 3.26% | 6.82% | 2.37% |
| Q2 2026 | 4.35% | 1.04% | 3.41% | 6.97% | 2.40% |
Palmetto State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Palmetto State Bank, 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 Palmetto State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17563) · FFIEC NIC profile (RSSD 277820)