Tarboro 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.
Yield to cost spread rose 0.38 percentage points from Q1 2026 to Q2 2026, ending at 2.84% against 2.46%. It was the largest change among the key lines on this page. On net interest margin, Tarboro Savings Bank, SSB is 2nd from the bottom among 38 North Carolina banks, 2.40% (Q2 2026). Tarboro Savings Bank, SSB reported 2.40% on net interest margin for Q2 2026, 1.49 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 5.69% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.83% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.40% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $511K |
| Total interest expense | $337K |
| Interest expense on deposits | $337K |
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 | 5.08% | 2.28% | 2.62% | 5.35% | 0.00% |
| Q4 2023 | 5.05% | 2.85% | 2.04% | 5.26% | 0.00% |
| Q1 2024 | 5.22% | 3.07% | 1.99% | 5.43% | 0.00% |
| Q2 2024 | 5.31% | 3.29% | 1.85% | 5.49% | 0.00% |
| Q3 2024 | 5.48% | 3.43% | 1.81% | 5.67% | 0.00% |
| Q4 2024 | 5.47% | 3.48% | 1.70% | 5.75% | 0.00% |
| Q1 2025 | 5.41% | 3.33% | 1.79% | 5.82% | 0.00% |
| Q2 2025 | 5.41% | 3.31% | 1.84% | 5.78% | 0.00% |
| Q3 2025 | 5.40% | 3.22% | 1.96% | 5.76% | 0.00% |
| Q4 2025 | 5.32% | 3.08% | 2.01% | 5.70% | 0.00% |
| Q1 2026 | 5.30% | 2.85% | 2.22% | 5.71% | 0.00% |
| Q2 2026 | 5.65% | 2.83% | 2.40% | 5.69% | 0.00% |
Tarboro 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 Tarboro 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 Tarboro Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29061) · FFIEC NIC profile (RSSD 800479)