Craft 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.
Total interest expense climbed 9.8% in Q2 2026, from $1.6M to $1.8M. It was the largest change from Q1 2026 among the key lines here. Among 121 Georgia banks, Craft Bank sits 10th from the top on net interest margin, 5.38% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Craft Bank sits 1.43 points higher, at 5.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.75% |
| Yield on loans | 8.49% |
| Yield on securities | 1.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.71% |
| Cost of interest-bearing deposits | 3.22% |
| Cost of interest-bearing liabilities | 3.22% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.38% |
| Yield to cost spread | 4.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 8.21% | 3.04% | 5.58% | 9.01% | 2.56% |
| Q4 2023 | 8.42% | 3.30% | 5.65% | 9.04% | 2.58% |
| Q1 2024 | 8.44% | 3.48% | 5.42% | 9.03% | 2.61% |
| Q2 2024 | 8.48% | 3.66% | 5.18% | 9.18% | 2.63% |
| Q3 2024 | 7.97% | 3.74% | 4.68% | 8.56% | 2.65% |
| Q4 2024 | 8.53% | 3.21% | 5.64% | 9.21% | 2.68% |
| Q1 2025 | 7.97% | 2.95% | 5.26% | 8.56% | 2.70% |
| Q2 2025 | 8.54% | 3.02% | 5.89% | 9.15% | 2.63% |
| Q3 2025 | 8.31% | 2.96% | 5.71% | 9.11% | 2.38% |
| Q4 2025 | 8.11% | 2.79% | 5.69% | 8.70% | 1.54% |
| Q1 2026 | 7.46% | 2.68% | 5.15% | 8.02% | 1.35% |
| Q2 2026 | 7.75% | 2.71% | 5.38% | 8.49% | 1.38% |
Craft 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 Craft 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 Craft Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59209) · FFIEC NIC profile (RSSD 5472880)