Taylorsville 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.
Total interest expense rose 6.0% from Q1 2026 to Q2 2026, ending at $1.2M against $1.2M. It was the largest change among the key lines on this page. Within North Carolina, Taylorsville Savings Bank, SSB is 28th of 38 on net interest margin, 3.11% as of Q2 2026, below the middle of the field. Taylorsville Savings Bank, SSB reported 3.11% on net interest margin for Q2 2026, 0.84 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 5.87% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.11% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.58% | 0.97% | 3.66% | 5.02% | 2.43% |
| Q4 2023 | 4.70% | 1.38% | 3.39% | 5.09% | 2.53% |
| Q1 2024 | 5.00% | 1.73% | 3.33% | 5.35% | 2.80% |
| Q2 2024 | 4.97% | 2.01% | 3.06% | 5.33% | 2.72% |
| Q3 2024 | 5.26% | 2.17% | 3.24% | 5.65% | 2.70% |
| Q4 2024 | 5.11% | 2.27% | 2.98% | 5.50% | 2.76% |
| Q1 2025 | 5.13% | 2.34% | 2.88% | 5.49% | 2.90% |
| Q2 2025 | 5.39% | 2.44% | 3.00% | 5.75% | 2.69% |
| Q3 2025 | 5.57% | 2.52% | 3.08% | 5.83% | 3.19% |
| Q4 2025 | 5.55% | 2.46% | 3.12% | 5.86% | 3.18% |
| Q1 2026 | 5.24% | 2.32% | 3.02% | 5.65% | 3.12% |
| Q2 2026 | 5.38% | 2.12% | 3.11% | 5.87% | 3.26% |
Taylorsville 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 Taylorsville 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 Taylorsville Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32348) · FFIEC NIC profile (RSSD 258379)