Banksouth: 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 Q1 2026 and Q2 2026 was in Total interest expense, which fell 2.9% to $5.8M. Banksouth ranks 54th of 121 Georgia banks on net interest margin, in the upper half at 4.65% (Q2 2026). Banksouth reported 4.65% on net interest margin for Q2 2026, 0.94 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.18% |
| Yield on loans | 6.76% |
| Yield on securities | 4.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 4.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.2M |
| Total interest expense | $5.8M |
| Interest expense on deposits | $5.4M |
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 | 5.88% | 2.03% | 4.03% | 6.11% | 3.26% |
| Q4 2023 | 6.14% | 2.08% | 4.18% | 6.39% | 3.28% |
| Q1 2024 | 6.11% | 2.23% | 4.02% | 6.35% | 3.45% |
| Q2 2024 | 6.36% | 2.33% | 4.21% | 6.62% | 3.73% |
| Q3 2024 | 6.34% | 2.47% | 4.08% | 6.62% | 3.90% |
| Q4 2024 | 6.22% | 2.29% | 4.12% | 6.55% | 3.87% |
| Q1 2025 | 6.13% | 2.17% | 4.18% | 6.51% | 4.08% |
| Q2 2025 | 6.20% | 2.10% | 4.31% | 6.60% | 4.18% |
| Q3 2025 | 6.29% | 2.11% | 4.41% | 6.67% | 4.43% |
| Q4 2025 | 6.25% | 1.92% | 4.57% | 6.75% | 4.36% |
| Q1 2026 | 6.24% | 1.79% | 4.63% | 6.78% | 4.35% |
| Q2 2026 | 6.18% | 1.66% | 4.65% | 6.76% | 4.45% |
Banksouth yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banksouth, 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 Banksouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16418) · FFIEC NIC profile (RSSD 88231)