Bank of Newington: 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 Q1 2026, Net interest margin rose 0.16 percentage points in Q2 2026 to 4.97%, the biggest move on this page. Bank of Newington ranks 29th of 121 Georgia banks on net interest margin, in the upper half at 4.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Newington sits 1.02 points higher, at 4.97% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.49% |
| Yield on loans | 8.24% |
| Yield on securities | 4.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.68% |
| Cost of interest-bearing deposits | 3.16% |
| Cost of interest-bearing liabilities | 3.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.97% |
| Yield to cost spread | 4.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 7.06% | 2.34% | 4.88% | 7.64% | 0.79% |
| Q4 2023 | 7.18% | 2.56% | 4.78% | 7.75% | 2.69% |
| Q1 2024 | 7.52% | 2.68% | 4.98% | 7.95% | 4.61% |
| Q2 2024 | 7.56% | 2.91% | 4.83% | 8.16% | 4.88% |
| Q3 2024 | 7.78% | 3.09% | 4.87% | 8.42% | 6.28% |
| Q4 2024 | 7.83% | 3.04% | 4.98% | 8.40% | 5.13% |
| Q1 2025 | 7.73% | 2.96% | 4.93% | 8.50% | 4.67% |
| Q2 2025 | 7.92% | 2.92% | 5.16% | 8.54% | 4.71% |
| Q3 2025 | 7.64% | 2.97% | 4.83% | 8.42% | 4.66% |
| Q4 2025 | 7.79% | 2.80% | 5.15% | 8.44% | 4.64% |
| Q1 2026 | 7.33% | 2.69% | 4.81% | 8.23% | 4.27% |
| Q2 2026 | 7.49% | 2.68% | 4.97% | 8.24% | 4.29% |
Bank of Newington 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 Newington, 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 Newington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5704) · FFIEC NIC profile (RSSD 948531)