Bank of Dade: 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: Yield on loans edged down 0.11 percentage points between Q1 2026 and Q2 2026, to 7.72%. Bank of Dade ranks 40th of 121 Georgia banks on net interest margin, in the upper half at 4.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Dade sits 0.86 points higher, at 4.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 7.72% |
| Yield on securities | 2.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.73% |
| Cost of interest-bearing deposits | 1.04% |
| Cost of interest-bearing liabilities | 1.04% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.81% |
| Yield to cost spread | 4.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $277K |
| Interest expense on deposits | $277K |
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 | 4.51% | 0.64% | 3.98% | 6.73% | 2.04% |
| Q4 2023 | 4.73% | 0.63% | 4.16% | 7.03% | 2.05% |
| Q1 2024 | 4.62% | 0.72% | 3.95% | 6.74% | 2.05% |
| Q2 2024 | 5.10% | 0.73% | 4.43% | 7.57% | 2.06% |
| Q3 2024 | 5.12% | 0.77% | 4.43% | 7.42% | 2.05% |
| Q4 2024 | 5.27% | 0.74% | 4.60% | 7.76% | 2.07% |
| Q1 2025 | 5.25% | 0.70% | 4.61% | 7.81% | 2.10% |
| Q2 2025 | 5.32% | 0.76% | 4.63% | 7.69% | 2.08% |
| Q3 2025 | 5.68% | 0.77% | 4.98% | 8.14% | 2.12% |
| Q4 2025 | 5.47% | 0.75% | 4.79% | 7.88% | 2.13% |
| Q1 2026 | 5.46% | 0.71% | 4.80% | 7.83% | 2.23% |
| Q2 2026 | 5.49% | 0.73% | 4.81% | 7.72% | 2.25% |
Bank of Dade 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 Dade, 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 Dade profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17543) · FFIEC NIC profile (RSSD 441630)