The Bank of Edison: 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.
Yield on loans fell 0.26 percentage points from Q1 2026 to Q2 2026, ending at 8.49% against 8.75%. It was the largest change among the key lines on this page. Within Georgia, The Bank of Edison is 79th of 121 on net interest margin, 4.16% as of Q2 2026, below the middle of the field. The Bank of Edison reported 4.16% on net interest margin for Q2 2026, 0.27 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 8.49% |
| Yield on securities | 2.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $406K |
| Interest expense on deposits | $406K |
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 | 5.86% | 1.74% | 4.19% | 8.09% | 3.20% |
| Q4 2023 | 6.17% | 1.99% | 4.28% | 8.79% | 3.32% |
| Q1 2024 | 6.02% | 1.75% | 4.28% | 8.56% | 3.53% |
| Q2 2024 | 6.29% | 2.01% | 4.34% | 8.67% | 3.38% |
| Q3 2024 | 6.48% | 2.49% | 4.17% | 8.91% | 3.03% |
| Q4 2024 | 6.25% | 2.51% | 3.92% | 8.86% | 2.79% |
| Q1 2025 | 6.05% | 2.17% | 3.95% | 8.79% | 2.78% |
| Q2 2025 | 6.39% | 2.24% | 4.30% | 8.99% | 2.68% |
| Q3 2025 | 6.46% | 2.46% | 4.23% | 8.80% | 2.77% |
| Q4 2025 | 6.46% | 2.45% | 4.27% | 9.03% | 2.59% |
| Q1 2026 | 6.20% | 2.19% | 4.22% | 8.75% | 2.79% |
| Q2 2026 | 6.10% | 2.05% | 4.16% | 8.49% | 2.54% |
The Bank of Edison yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Edison, 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 The Bank of Edison profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5686) · FFIEC NIC profile (RSSD 610539)