American Pride 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 standout move of Q2 2026 was in Total interest expense: 16.7% higher than in Q1 2026, at $6.7M. American Pride Bank has the 12th lowest net interest margin of the 121 banks headquartered in Georgia, at 3.37% as of Q2 2026. American Pride Bank reported 3.37% on net interest margin for Q2 2026, 0.34 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.45% |
| Yield on loans | 7.27% |
| Yield on securities | 4.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.44% |
| Cost of interest-bearing deposits | 3.64% |
| Cost of interest-bearing liabilities | 3.67% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.37% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.5M |
| Total interest expense | $6.7M |
| Interest expense on deposits | $6.5M |
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 | 6.23% | 2.84% | 3.61% | 6.48% | 3.21% |
| Q4 2023 | 6.48% | 3.27% | 3.47% | 6.68% | 3.35% |
| Q1 2024 | 6.40% | 3.50% | 3.11% | 6.69% | 3.49% |
| Q2 2024 | 6.51% | 3.65% | 3.16% | 6.80% | 3.39% |
| Q3 2024 | 6.48% | 3.75% | 3.07% | 6.83% | 2.64% |
| Q4 2024 | 6.54% | 3.70% | 3.16% | 7.13% | 4.86% |
| Q1 2025 | 6.54% | 3.47% | 3.31% | 7.14% | 5.11% |
| Q2 2025 | 6.55% | 3.49% | 3.46% | 7.35% | 5.25% |
| Q3 2025 | 6.81% | 3.47% | 3.79% | 7.62% | 5.18% |
| Q4 2025 | 6.74% | 3.50% | 3.70% | 7.61% | 5.24% |
| Q1 2026 | 6.51% | 3.40% | 3.48% | 7.40% | 4.78% |
| Q2 2026 | 6.45% | 3.44% | 3.37% | 7.27% | 4.74% |
American Pride 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 American Pride 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 American Pride Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58584) · FFIEC NIC profile (RSSD 3671997)