Spratt 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.14 percentage points to 3.06%. Within South Carolina, Spratt Savings Bank is 36th of 44 on net interest margin, 3.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Spratt Savings Bank sits 0.89 points lower, at 3.06% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.22% |
| Yield on loans | 5.99% |
| Yield on securities | 3.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.55% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.06% |
| Yield to cost spread | 2.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $713K |
| Total interest expense | $417K |
| Interest expense on deposits | $417K |
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 | 3.69% | 1.39% | 2.54% | 5.23% | 2.55% |
| Q4 2023 | 3.83% | 1.63% | 2.48% | 5.32% | 2.69% |
| Q1 2024 | 3.89% | 1.75% | 2.43% | 5.50% | 2.72% |
| Q2 2024 | 3.96% | 1.83% | 2.44% | 5.53% | 2.76% |
| Q3 2024 | 4.03% | 1.94% | 2.43% | 5.71% | 2.80% |
| Q4 2024 | 4.03% | 1.77% | 2.58% | 5.67% | 2.90% |
| Q1 2025 | 4.04% | 1.63% | 2.70% | 5.80% | 2.90% |
| Q2 2025 | 4.12% | 1.58% | 2.82% | 5.86% | 2.93% |
| Q3 2025 | 4.21% | 1.54% | 2.92% | 6.01% | 3.05% |
| Q4 2025 | 4.17% | 1.51% | 2.92% | 5.93% | 3.15% |
| Q1 2026 | 4.09% | 1.39% | 2.92% | 5.81% | 3.21% |
| Q2 2026 | 4.22% | 1.38% | 3.06% | 5.99% | 3.29% |
Spratt 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 Spratt 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 Spratt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30987) · FFIEC NIC profile (RSSD 746979)