The Commercial 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.
Net interest margin rose 0.17 percentage points from Q1 2026 to Q2 2026, ending at 5.14% against 4.97%. It was the largest change among the key lines on this page. The Commercial Bank ranks 19th of 121 Georgia banks on net interest margin, in the upper half at 5.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Commercial Bank sits 1.19 points higher, at 5.14% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.28% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.14% |
| Yield to cost spread | 4.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| 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 |
|---|---|---|---|
| Q3 2023 | 5.51% | 1.14% | 4.41% |
| Q4 2023 | 5.73% | 1.36% | 4.43% |
| Q1 2024 | 6.09% | 1.79% | 4.34% |
| Q2 2024 | 5.97% | 1.83% | 4.23% |
| Q3 2024 | 6.16% | 1.84% | 4.40% |
| Q4 2024 | 6.32% | 1.48% | 4.95% |
| Q1 2025 | 6.20% | 1.36% | 4.90% |
| Q2 2025 | 6.38% | 1.37% | 5.07% |
| Q3 2025 | 6.54% | 1.42% | 5.20% |
| Q4 2025 | 6.33% | 1.38% | 5.06% |
| Q1 2026 | 6.13% | 1.24% | 4.97% |
| Q2 2026 | 6.28% | 1.23% | 5.14% |
The Commercial 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 The Commercial 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 The Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 175) · FFIEC NIC profile (RSSD 469737)