Durden Banking Company, Incorporated: 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 5.96% against 5.79%. It was the largest change among the key lines on this page. Among 121 Georgia banks, Durden Banking Company, Incorporated sits 2nd from the top on net interest margin, 5.96% as of Q2 2026. Durden Banking Company, Incorporated's net interest margin of 5.96% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.01 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.70% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.86% |
| Cost of interest-bearing deposits | 1.21% |
| Cost of interest-bearing liabilities | 1.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.96% |
| Yield to cost spread | 5.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $542K |
| Interest expense on deposits | $542K |
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 | 5.46% | 0.51% | 5.01% |
| Q4 2023 | 5.75% | 0.63% | 5.19% |
| Q1 2024 | 5.85% | 0.81% | 5.13% |
| Q2 2024 | 6.04% | 0.97% | 5.18% |
| Q3 2024 | 6.28% | 1.09% | 5.32% |
| Q4 2024 | 6.31% | 1.06% | 5.40% |
| Q1 2025 | 6.19% | 0.93% | 5.36% |
| Q2 2025 | 6.49% | 0.95% | 5.65% |
| Q3 2025 | 6.61% | 0.91% | 5.81% |
| Q4 2025 | 6.74% | 0.96% | 5.93% |
| Q1 2026 | 6.53% | 0.88% | 5.79% |
| Q2 2026 | 6.70% | 0.86% | 5.96% |
Durden Banking Company, Incorporated yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Durden Banking Company, Incorporated, 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 Durden Banking Company, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15336) · FFIEC NIC profile (RSSD 101439)