Bank of Madison: 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.
Compared with Q2 2026, Total interest expense rose 2.8% in Q3 2026 to $1.9M, the biggest move on this page. Bank of Madison ranks 58th of 121 Georgia banks on net interest margin, in the upper half at 4.58% (Q3 2026). Bank of Madison reported 4.58% on net interest margin for Q3 2026, 0.63 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 | 6.28% |
| Yield on loans | 7.43% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.58% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 5.50% | 2.01% | 3.67% | 6.68% | 2.05% |
| Q1 2024 | 5.63% | 2.12% | 3.70% | 6.80% | 2.09% |
| Q2 2024 | 5.81% | 2.18% | 3.83% | 7.01% | 2.08% |
| Q3 2024 | 5.96% | 2.23% | 3.95% | 7.16% | 2.10% |
| Q4 2024 | 5.96% | 2.15% | 4.03% | 7.24% | 2.14% |
| Q1 2025 | 5.86% | 2.11% | 3.96% | 7.06% | 2.21% |
| Q2 2025 | 5.92% | 2.10% | 4.02% | 7.19% | 2.30% |
| Q3 2025 | 6.08% | 2.08% | 4.23% | 7.42% | 2.30% |
| Q4 2025 | 6.21% | 1.98% | 4.46% | 7.47% | 2.36% |
| Q1 2026 | 6.09% | 1.88% | 4.41% | 7.27% | 2.54% |
| Q2 2026 | 6.11% | 1.86% | 4.45% | 7.31% | 2.65% |
| Q3 2026 | 6.28% | 1.91% | 4.58% | 7.43% | 2.78% |
Bank of Madison 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 Madison, 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 Madison profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 148) · FFIEC NIC profile (RSSD 752831)