Bank of Alapaha: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 3.39%. Bank of Alapaha ranks 108th of 121 Georgia banks on net interest margin, in the lower half at 3.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Alapaha sits 0.56 points lower, at 3.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.61% |
| Yield on loans | 6.41% |
| Yield on securities | 2.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 2.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $760K |
| Interest expense on deposits | $760K |
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 | 4.40% | 1.31% | 3.21% | 5.81% | 2.21% |
| Q4 2023 | 4.49% | 1.39% | 3.21% | 5.94% | 2.18% |
| Q1 2024 | 4.46% | 1.57% | 3.00% | 6.00% | 2.26% |
| Q2 2024 | 4.65% | 1.68% | 3.11% | 6.14% | 2.28% |
| Q3 2024 | 4.73% | 1.83% | 3.07% | 6.39% | 2.24% |
| Q4 2024 | 4.66% | 1.74% | 3.08% | 6.42% | 2.26% |
| Q1 2025 | 4.63% | 1.50% | 3.24% | 6.23% | 2.30% |
| Q2 2025 | 4.70% | 1.46% | 3.37% | 6.45% | 2.30% |
| Q3 2025 | 4.75% | 1.45% | 3.42% | 6.52% | 2.27% |
| Q4 2025 | 4.53% | 1.42% | 3.26% | 6.36% | 2.29% |
| Q1 2026 | 4.48% | 1.30% | 3.27% | 6.23% | 2.30% |
| Q2 2026 | 4.61% | 1.32% | 3.39% | 6.41% | 2.28% |
Bank of Alapaha yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Alapaha, 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 Bank of Alapaha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 155) · FFIEC NIC profile (RSSD 986935)