Bank of Dudley: 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 largest change between Q2 2026 and Q3 2026 was in Net interest margin, which rose 0.16 percentage points to 4.66%. Within Georgia, Bank of Dudley is 52nd of 121 on net interest margin, 4.66% as of Q3 2026, above the middle of the field. Bank of Dudley reported 4.66% on net interest margin for Q3 2026, 0.71 points above the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.47% |
| Yield on loans | 7.42% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.66% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $7.1M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.90% | 1.55% | 4.44% | 6.60% | 3.09% |
| Q1 2024 | 5.84% | 1.83% | 4.10% | 6.58% | 3.19% |
| Q2 2024 | 6.17% | 1.95% | 4.33% | 6.85% | 3.20% |
| Q3 2024 | 6.19% | 2.09% | 4.19% | 6.97% | 3.21% |
| Q4 2024 | 6.35% | 1.94% | 4.51% | 7.26% | 3.13% |
| Q1 2025 | 6.01% | 1.76% | 4.34% | 7.03% | 3.10% |
| Q2 2025 | 6.40% | 1.78% | 4.72% | 7.29% | 3.04% |
| Q3 2025 | 6.20% | 1.79% | 4.48% | 7.15% | 3.09% |
| Q4 2025 | 6.55% | 1.94% | 4.68% | 7.70% | 3.09% |
| Q1 2026 | 6.05% | 1.86% | 4.28% | 7.20% | 3.22% |
| Q2 2026 | 6.29% | 1.87% | 4.50% | 7.28% | 3.37% |
| Q3 2026 | 6.47% | 1.92% | 4.66% | 7.42% | 3.48% |
Bank of Dudley 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 Dudley, 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 Dudley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9068) · FFIEC NIC profile (RSSD 546535)