Pee Dee Federal Savings 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.
Net interest margin rose 0.25 percentage points from Q2 2026 to Q3 2026, ending at 4.38% against 4.13%. It was the largest change among the key lines on this page. Within South Carolina, Pee Dee Federal Savings Bank is 9th of 44 on net interest margin, 4.38% as of Q3 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Pee Dee Federal Savings Bank sits 0.49 points higher, at 4.38% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.80% |
| Yield on loans | 7.76% |
| Yield on securities | 2.82% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.52% |
| Cost of interest-bearing deposits | 0.63% |
| Cost of interest-bearing liabilities | 0.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 4.17% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $261K |
| Total interest expense | $38K |
| Interest expense on deposits | $38K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.27% | 0.49% | 3.86% | 6.78% | 2.17% |
| Q1 2024 | 4.37% | 0.58% | 3.88% | 7.34% | 2.35% |
| Q2 2024 | 4.54% | 0.65% | 3.99% | 7.07% | 2.38% |
| Q3 2024 | 4.46% | 0.63% | 3.94% | 7.69% | 2.21% |
| Q4 2024 | 4.52% | 0.67% | 3.98% | 7.46% | 2.28% |
| Q1 2025 | 4.81% | 0.63% | 4.26% | 7.50% | 2.74% |
| Q2 2025 | 4.59% | 0.58% | 4.12% | 7.46% | 2.73% |
| Q3 2025 | 4.66% | 0.57% | 4.20% | 7.63% | 2.74% |
| Q4 2025 | 4.81% | 0.62% | 4.31% | 7.52% | 2.95% |
| Q1 2026 | 4.48% | 0.62% | 3.98% | 7.44% | 2.83% |
| Q2 2026 | 4.68% | 0.66% | 4.13% | 7.39% | 2.89% |
| Q3 2026 | 4.80% | 0.52% | 4.38% | 7.76% | 2.82% |
Pee Dee Federal Savings 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 Pee Dee Federal Savings 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 Pee Dee Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29582) · FFIEC NIC profile (RSSD 515979)