Classic City Bank: 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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged up 0.15 percentage points between Q1 2026 and Q2 2026, to 1.91%. Within Georgia, Classic City Bank is 39th of 121 on net interest margin, 4.83% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Classic City Bank sits 0.88 points higher, at 4.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.68% |
| Yield on securities | 4.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.83% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $679K |
| Interest expense on deposits | $679K |
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 | 4.73% | 0.90% | 3.91% | 5.16% | 2.22% |
| Q4 2023 | 5.28% | 1.01% | 4.35% | 5.56% | 4.02% |
| Q1 2024 | 5.55% | 1.03% | 4.58% | 5.87% | 4.39% |
| Q2 2024 | 5.70% | 1.06% | 4.74% | 6.10% | 4.32% |
| Q3 2024 | 5.85% | 1.17% | 4.80% | 6.32% | 4.51% |
| Q4 2024 | 5.85% | 1.19% | 4.77% | 6.39% | 4.90% |
| Q1 2025 | 5.73% | 1.20% | 4.67% | 6.38% | 5.04% |
| Q2 2025 | 5.93% | 1.07% | 4.97% | 6.64% | 4.93% |
| Q3 2025 | 5.99% | 1.00% | 5.09% | 6.65% | 5.13% |
| Q4 2025 | 5.90% | 0.95% | 5.05% | 6.67% | 5.01% |
| Q1 2026 | 5.64% | 0.92% | 4.80% | 6.54% | 4.90% |
| Q2 2026 | 5.74% | 0.99% | 4.83% | 6.68% | 4.94% |
Classic City Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Classic City Bank, 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 Classic City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59219) · FFIEC NIC profile (RSSD 5538937)