Community Bank of Georgia: 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 Yield on securities, which rose 0.45 percentage points to 2.29%. Community Bank of Georgia ranks 42nd of 121 Georgia banks on net interest margin, in the upper half at 4.77% (Q2 2026). Community Bank of Georgia reported 4.77% on net interest margin for Q2 2026, 0.82 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.45% |
| Yield on loans | 7.76% |
| Yield on securities | 2.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.77% |
| Yield to cost spread | 4.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 6.06% | 1.59% | 4.54% | 7.12% | 1.54% |
| Q4 2023 | 6.26% | 1.78% | 4.56% | 7.60% | 1.48% |
| Q1 2024 | 6.65% | 1.99% | 4.75% | 8.25% | 1.48% |
| Q2 2024 | 6.43% | 2.38% | 4.14% | 7.82% | 1.46% |
| Q3 2024 | 6.67% | 2.53% | 4.27% | 8.09% | 1.50% |
| Q4 2024 | 6.60% | 2.38% | 4.38% | 8.27% | 1.51% |
| Q1 2025 | 6.50% | 2.18% | 4.46% | 8.19% | 1.51% |
| Q2 2025 | 6.54% | 2.21% | 4.54% | 8.22% | 1.55% |
| Q3 2025 | 6.48% | 2.11% | 4.50% | 8.07% | 1.63% |
| Q4 2025 | 6.52% | 1.96% | 4.67% | 7.99% | 1.72% |
| Q1 2026 | 6.51% | 1.86% | 4.77% | 7.81% | 1.84% |
| Q2 2026 | 6.45% | 1.78% | 4.77% | 7.76% | 2.29% |
Community Bank of Georgia yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Georgia, 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 Community Bank of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57579) · FFIEC NIC profile (RSSD 3213333)