Commercial Banking Company: 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 standout move of Q2 2026 was in Cost of borrowings: 7.28 percentage points higher than in Q1 2026, at 7.28%. Within Georgia, Commercial Banking Company is 45th of 121 on net interest margin, 4.74% 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. Commercial Banking Company sits 0.79 points higher, at 4.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.31% |
| Yield on loans | 7.24% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 7.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.74% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.4M |
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 | 5.77% | 0.76% | 5.02% | 6.51% | 3.45% |
| Q4 2023 | 5.69% | 0.94% | 4.80% | 6.41% | 2.98% |
| Q1 2024 | 5.81% | 0.96% | 4.89% | 6.67% | 3.46% |
| Q2 2024 | 6.00% | 1.10% | 4.96% | 6.77% | 2.95% |
| Q3 2024 | 6.11% | 1.38% | 4.78% | 6.92% | 3.33% |
| Q4 2024 | 6.27% | 1.44% | 5.01% | 7.02% | 2.95% |
| Q1 2025 | 6.06% | 1.37% | 4.80% | 7.09% | 3.15% |
| Q2 2025 | 6.17% | 1.37% | 4.90% | 7.05% | 2.91% |
| Q3 2025 | 6.46% | 1.58% | 5.01% | 7.39% | 1.74% |
| Q4 2025 | 6.43% | 1.43% | 5.14% | 6.98% | 4.05% |
| Q1 2026 | 6.24% | 1.66% | 4.79% | 7.08% | 2.85% |
| Q2 2026 | 6.31% | 1.70% | 4.74% | 7.24% | 2.46% |
Commercial Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Banking Company, 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 Commercial Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16246) · FFIEC NIC profile (RSSD 381932)