Roxboro 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.
Compared with Q1 2026, Net interest margin rose 0.18 percentage points in Q2 2026 to 3.41%, the biggest move on this page. Roxboro Savings Bank, SSB ranks 19th of 38 North Carolina banks on net interest margin, in the upper half at 3.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Roxboro Savings Bank, SSB sits 0.54 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.07% |
| Yield on loans | 6.22% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 3.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.4M |
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 | 4.23% | 1.35% | 2.94% | 5.43% | 2.84% |
| Q4 2023 | 4.49% | 1.54% | 2.96% | 5.59% | 3.17% |
| Q1 2024 | 4.61% | 1.69% | 2.95% | 5.58% | 3.41% |
| Q2 2024 | 4.80% | 1.82% | 3.01% | 5.96% | 3.31% |
| Q3 2024 | 4.82% | 1.89% | 2.96% | 6.02% | 3.21% |
| Q4 2024 | 4.86% | 1.80% | 3.04% | 6.10% | 3.23% |
| Q1 2025 | 4.69% | 1.76% | 2.95% | 5.85% | 3.13% |
| Q2 2025 | 4.95% | 1.75% | 3.23% | 6.18% | 3.25% |
| Q3 2025 | 4.99% | 1.78% | 3.23% | 6.20% | 3.27% |
| Q4 2025 | 5.04% | 1.78% | 3.29% | 6.24% | 3.32% |
| Q1 2026 | 4.92% | 1.72% | 3.23% | 6.04% | 3.28% |
| Q2 2026 | 5.07% | 1.69% | 3.41% | 6.22% | 3.34% |
Roxboro 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 Roxboro 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 Roxboro Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28471) · FFIEC NIC profile (RSSD 472979)