Bank of Camilla: 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.
Net interest margin rose 0.36 percentage points from Q1 2026 to Q2 2026, ending at 3.83% against 3.47%. It was the largest change among the key lines on this page. Within Georgia, Bank of Camilla is 100th of 121 on net interest margin, 3.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Camilla sits 0.12 points lower, at 3.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 6.76% |
| Yield on securities | 4.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 4.27% |
| Cost of interest-bearing liabilities | 4.27% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 1.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 6.00% | 1.65% | 4.39% | 7.03% | 3.98% |
| Q4 2023 | 5.70% | 1.87% | 3.85% | 6.39% | 4.09% |
| Q1 2024 | 5.41% | 2.23% | 3.09% | 6.24% | 4.12% |
| Q2 2024 | 5.78% | 2.32% | 3.43% | 6.43% | 4.17% |
| Q3 2024 | 6.51% | 2.63% | 3.99% | 7.38% | 4.25% |
| Q4 2024 | 5.80% | 2.45% | 3.29% | 6.82% | 4.12% |
| Q1 2025 | 5.84% | 2.22% | 3.63% | 6.68% | 4.21% |
| Q2 2025 | 6.12% | 2.54% | 3.77% | 6.88% | 4.26% |
| Q3 2025 | 6.17% | 2.61% | 3.65% | 6.97% | 4.29% |
| Q4 2025 | 5.79% | 2.63% | 3.29% | 6.88% | 4.21% |
| Q1 2026 | 5.75% | 2.40% | 3.47% | 6.74% | 4.17% |
| Q2 2026 | 6.04% | 2.33% | 3.83% | 6.76% | 4.18% |
Bank of Camilla 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 Camilla, 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 Camilla profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17190) · FFIEC NIC profile (RSSD 124830)