Century Bank & Trust: 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 rose 5.5% to $1.3M. Within Georgia, Century Bank & Trust is 77th of 121 on net interest margin, 4.19% as of Q2 2026, below the middle of the field. Century Bank & Trust reported 4.19% on net interest margin for Q2 2026, 0.24 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 6.86% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.16% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.44% | 1.02% | 3.49% | 5.94% | 2.69% |
| Q4 2023 | 4.65% | 1.47% | 3.29% | 6.24% | 2.66% |
| Q1 2024 | 4.70% | 1.51% | 3.30% | 6.32% | 2.74% |
| Q2 2024 | 4.77% | 1.51% | 3.38% | 6.39% | 2.77% |
| Q3 2024 | 4.97% | 1.58% | 3.51% | 6.64% | 2.82% |
| Q4 2024 | 5.01% | 1.44% | 3.70% | 6.63% | 2.88% |
| Q1 2025 | 4.96% | 1.26% | 3.81% | 6.56% | 2.85% |
| Q2 2025 | 5.15% | 1.25% | 4.02% | 6.81% | 2.88% |
| Q3 2025 | 5.36% | 1.13% | 4.33% | 7.05% | 2.91% |
| Q4 2025 | 5.24% | 1.17% | 4.19% | 6.94% | 2.93% |
| Q1 2026 | 5.24% | 1.21% | 4.16% | 6.81% | 3.11% |
| Q2 2026 | 5.26% | 1.16% | 4.19% | 6.86% | 3.05% |
Century Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank & Trust, 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 Century Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 147) · FFIEC NIC profile (RSSD 944337)