Colony 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: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.57%. Colony Bank ranks 106th of 121 Georgia banks on net interest margin, in the lower half at 3.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Colony Bank sits 0.14 points lower, at 3.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | 6.39% |
| Yield on securities | 2.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.57% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $39.1M |
| Total interest expense | $15.0M |
| Interest expense on deposits | $13.2M |
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 | 4.51% | 1.73% | 2.86% | 5.54% | 2.53% |
| Q4 2023 | 4.64% | 1.95% | 2.79% | 5.70% | 2.54% |
| Q1 2024 | 4.65% | 2.00% | 2.75% | 5.73% | 2.50% |
| Q2 2024 | 4.69% | 2.07% | 2.74% | 5.82% | 2.34% |
| Q3 2024 | 4.82% | 2.22% | 2.73% | 5.96% | 2.46% |
| Q4 2024 | 4.91% | 2.09% | 2.93% | 6.05% | 2.48% |
| Q1 2025 | 4.78% | 1.94% | 2.95% | 5.93% | 2.49% |
| Q2 2025 | 4.99% | 1.93% | 3.17% | 6.15% | 2.50% |
| Q3 2025 | 5.08% | 1.92% | 3.26% | 6.20% | 2.37% |
| Q4 2025 | 5.17% | 1.85% | 3.41% | 6.25% | 2.45% |
| Q1 2026 | 5.19% | 1.81% | 3.48% | 6.28% | 2.51% |
| Q2 2026 | 5.30% | 1.86% | 3.57% | 6.39% | 2.54% |
Colony 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 Colony 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 Colony Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22257) · FFIEC NIC profile (RSSD 491934)