Riverside Savings Bank, SSB: 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 3.16% to 3.25%, the largest move among the key lines here. Within North Carolina, Riverside Savings Bank, SSB is 23rd of 38 on net interest margin, 3.25% as of Q2 2026, below the middle of the field. Riverside Savings Bank, SSB reported 3.25% on net interest margin for Q2 2026, 0.64 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 6.09% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.25% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $901K |
| Total interest expense | $442K |
| Interest expense on deposits | $406K |
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 | 4.06% | 2.21% | 2.31% | 5.24% | 2.18% |
| Q4 2023 | 4.37% | 2.63% | 2.19% | 5.35% | 2.45% |
| Q1 2024 | 4.85% | 2.68% | 2.57% | 5.52% | 3.54% |
| Q2 2024 | 5.01% | 2.62% | 2.78% | 5.70% | 3.65% |
| Q3 2024 | 5.11% | 2.72% | 2.80% | 5.82% | 3.61% |
| Q4 2024 | 5.04% | 2.62% | 2.87% | 5.99% | 3.25% |
| Q1 2025 | 4.97% | 2.50% | 2.90% | 5.74% | 3.60% |
| Q2 2025 | 5.10% | 2.58% | 2.96% | 5.96% | 3.52% |
| Q3 2025 | 5.16% | 2.68% | 2.95% | 6.04% | 3.48% |
| Q4 2025 | 5.15% | 2.67% | 2.99% | 6.07% | 3.34% |
| Q1 2026 | 5.22% | 2.51% | 3.16% | 6.05% | 3.55% |
| Q2 2026 | 5.25% | 2.41% | 3.25% | 6.09% | 3.54% |
Riverside Savings Bank, SSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverside Savings Bank, SSB, 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 Riverside Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28314) · FFIEC NIC profile (RSSD 247476)