Apex Banking Company of Georgia: 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 Cost of borrowings: 9.92 percentage points higher than in Q1 2026, at 9.92%. Apex Banking Company of Georgia ranks 28th of 121 Georgia banks on net interest margin, in the upper half at 4.98% (Q2 2026). Apex Banking Company of Georgia reported 4.98% on net interest margin for Q2 2026, 1.10 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 1.40% |
| Cost of interest-bearing liabilities | 1.42% |
| Cost of borrowings | 9.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.98% |
| Yield to cost spread | 4.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $890K |
| Total interest expense | $181K |
| Interest expense on deposits | $178K |
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 |
|---|---|---|---|
| Q3 2023 | 4.79% | 0.54% | 4.28% |
| Q4 2023 | 5.15% | 0.81% | 4.37% |
| Q1 2024 | 5.47% | 1.05% | 4.42% |
| Q2 2024 | 5.74% | 1.28% | 4.47% |
| Q3 2024 | 5.94% | 1.49% | 4.47% |
| Q4 2024 | 5.83% | 1.45% | 4.45% |
| Q1 2025 | 5.85% | 1.31% | 4.59% |
| Q2 2025 | 5.92% | 1.10% | 4.86% |
| Q3 2025 | 5.86% | 1.17% | 4.74% |
| Q4 2025 | 5.86% | 1.24% | 4.68% |
| Q1 2026 | 6.06% | 1.10% | 4.98% |
| Q2 2026 | 6.00% | 1.09% | 4.98% |
Apex Banking Company of Georgia yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Apex Banking Company of Georgia, 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 Apex Banking Company of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10074) · FFIEC NIC profile (RSSD 102333)