Bank of Monticello: 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.
In Q2 2026, Yield on loans edged down by 0.12 percentage points, from 8.22% to 8.10%, the largest move among the key lines here. On net interest margin, Bank of Monticello ranks 3rd highest among the 121 banks headquartered in Georgia, at 5.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Monticello sits 1.78 points higher, at 5.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.85% |
| Yield on loans | 8.10% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.73% |
| Yield to cost spread | 5.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $429K |
| Interest expense on deposits | $429K |
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% | 0.73% | 5.35% | 7.06% | 2.64% |
| Q4 2023 | 6.16% | 0.99% | 5.29% | 7.11% | 2.76% |
| Q1 2024 | 6.17% | 1.09% | 5.20% | 7.23% | 2.75% |
| Q2 2024 | 6.42% | 1.11% | 5.42% | 7.51% | 2.83% |
| Q3 2024 | 6.57% | 1.15% | 5.51% | 7.61% | 2.88% |
| Q4 2024 | 6.71% | 1.21% | 5.62% | 7.86% | 2.67% |
| Q1 2025 | 6.48% | 1.25% | 5.37% | 7.75% | 2.88% |
| Q2 2025 | 6.73% | 1.22% | 5.64% | 7.85% | 2.96% |
| Q3 2025 | 7.00% | 1.22% | 5.93% | 8.22% | 2.88% |
| Q4 2025 | 6.92% | 1.17% | 5.87% | 8.00% | 3.00% |
| Q1 2026 | 6.80% | 1.33% | 5.67% | 8.22% | 2.95% |
| Q2 2026 | 6.85% | 1.38% | 5.73% | 8.10% | 3.01% |
Bank of Monticello 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 Monticello, 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 Monticello profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2145) · FFIEC NIC profile (RSSD 805335)