South Coast Bank & Trust: 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, Total interest expense rose 2.6% in Q2 2026 to $1.3M, the biggest move on this page. South Coast Bank & Trust ranks 103rd of 121 Georgia banks on net interest margin, in the lower half at 3.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. South Coast Bank & Trust sits 0.22 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.70% |
| Yield on loans | 6.57% |
| Yield on securities | 2.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 5.19% | 2.28% | 3.04% | 5.79% | 2.23% |
| Q4 2023 | 5.41% | 2.55% | 3.02% | 6.04% | 2.30% |
| Q1 2024 | 5.47% | 2.61% | 2.99% | 6.16% | 2.30% |
| Q2 2024 | 5.88% | 2.95% | 3.34% | 6.57% | 2.35% |
| Q3 2024 | 5.77% | 2.77% | 3.15% | 6.57% | 2.42% |
| Q4 2024 | 5.84% | 2.69% | 3.40% | 6.43% | 2.54% |
| Q1 2025 | 5.73% | 2.72% | 3.44% | 6.56% | 2.60% |
| Q2 2025 | 5.74% | 2.29% | 3.62% | 6.68% | 2.81% |
| Q3 2025 | 5.88% | 2.25% | 3.79% | 6.89% | 2.89% |
| Q4 2025 | 5.95% | 2.19% | 3.91% | 6.85% | 2.89% |
| Q1 2026 | 5.62% | 2.11% | 3.69% | 6.57% | 2.82% |
| Q2 2026 | 5.70% | 2.14% | 3.73% | 6.57% | 2.97% |
South Coast Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Coast Bank & Trust, 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 South Coast Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16283) · FFIEC NIC profile (RSSD 706030)