Pickens Savings and Loan Association, Federal 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 3.10% to 3.19%, the largest move among the key lines here. Within South Carolina, Pickens Savings and Loan Association, Federal Association is 35th of 44 on net interest margin, 3.19% as of Q2 2026, below the middle of the field. Pickens Savings and Loan Association, Federal Association reported 3.19% on net interest margin for Q2 2026, 0.76 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.85% |
| Yield on loans | 5.65% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $553K |
| Interest expense on deposits | $489K |
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 | 4.12% | 1.24% | 2.99% | 4.86% | 2.90% |
| Q4 2023 | 4.24% | 1.44% | 2.94% | 4.99% | 2.90% |
| Q1 2024 | 4.25% | 1.59% | 2.80% | 5.05% | 2.92% |
| Q2 2024 | 4.48% | 1.68% | 2.94% | 5.27% | 2.98% |
| Q3 2024 | 4.44% | 1.79% | 2.81% | 5.23% | 3.02% |
| Q4 2024 | 4.64% | 1.76% | 3.04% | 5.59% | 2.96% |
| Q1 2025 | 4.50% | 1.76% | 2.86% | 5.39% | 2.95% |
| Q2 2025 | 4.64% | 1.81% | 2.93% | 5.42% | 3.21% |
| Q3 2025 | 4.81% | 1.88% | 3.04% | 5.61% | 3.35% |
| Q4 2025 | 4.85% | 1.95% | 3.06% | 5.63% | 3.38% |
| Q1 2026 | 4.80% | 1.83% | 3.10% | 5.64% | 3.34% |
| Q2 2026 | 4.85% | 1.80% | 3.19% | 5.65% | 3.40% |
Pickens Savings and Loan Association, Federal 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 Pickens Savings and Loan Association, Federal 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 Pickens Savings and Loan Association, Federal Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31089) · FFIEC NIC profile (RSSD 884376)