Community Bank of Pickens County: 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.
Compared with Q1 2026, Net interest margin rose 0.27 percentage points in Q2 2026 to 4.76%, the biggest move on this page. Within Georgia, Community Bank of Pickens County is 43rd of 121 on net interest margin, 4.76% as of Q2 2026, above the middle of the field. Community Bank of Pickens County reported 4.76% on net interest margin for Q2 2026, 0.81 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.61% |
| Yield on loans | 7.38% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.76% |
| Yield to cost spread | 3.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.0M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
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 | 6.27% | 1.76% | 4.69% | 7.26% | 2.73% |
| Q4 2023 | 6.50% | 1.94% | 4.75% | 7.43% | 3.07% |
| Q1 2024 | 6.55% | 2.05% | 4.72% | 7.41% | 3.03% |
| Q2 2024 | 6.65% | 2.18% | 4.71% | 7.49% | 3.03% |
| Q3 2024 | 7.10% | 2.30% | 5.06% | 7.90% | 3.09% |
| Q4 2024 | 6.84% | 2.36% | 4.75% | 7.62% | 3.41% |
| Q1 2025 | 7.36% | 2.25% | 5.37% | 8.39% | 3.47% |
| Q2 2025 | 7.01% | 2.22% | 5.06% | 7.90% | 3.58% |
| Q3 2025 | 7.03% | 2.19% | 5.10% | 7.86% | 3.66% |
| Q4 2025 | 6.90% | 2.20% | 4.95% | 7.82% | 3.63% |
| Q1 2026 | 6.32% | 2.08% | 4.49% | 7.15% | 3.62% |
| Q2 2026 | 6.61% | 2.10% | 4.76% | 7.38% | 3.84% |
Community Bank of Pickens County 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 Pickens County, 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 Pickens County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35513) · FFIEC NIC profile (RSSD 2943615)