Embassy National 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.
Net interest margin fell 0.18 percentage points from Q1 2026 to Q2 2026, ending at 4.55% against 4.73%. It was the largest change among the key lines on this page. Within Georgia, Embassy National Bank is 61st of 121 on net interest margin, 4.55% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Embassy National Bank sits 0.60 points higher, at 4.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.94% |
| Yield on loans | 7.79% |
| Yield on securities | 3.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.63% |
| Cost of interest-bearing deposits | 3.11% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 3.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 9.02% | 2.37% | 7.02% | 10.01% | 3.70% |
| Q4 2023 | 8.99% | 2.79% | 6.49% | 9.90% | 3.75% |
| Q1 2024 | 8.75% | 3.22% | 5.83% | 9.69% | 4.04% |
| Q2 2024 | 8.60% | 3.10% | 5.68% | 9.23% | 4.49% |
| Q3 2024 | 8.57% | 3.16% | 5.58% | 9.21% | 4.62% |
| Q4 2024 | 8.11% | 2.83% | 5.45% | 8.79% | 4.21% |
| Q1 2025 | 7.66% | 2.86% | 5.07% | 8.39% | 3.98% |
| Q2 2025 | 7.68% | 2.93% | 5.01% | 8.34% | 4.09% |
| Q3 2025 | 8.00% | 2.79% | 5.40% | 8.76% | 4.07% |
| Q4 2025 | 7.60% | 2.76% | 5.03% | 8.20% | 3.96% |
| Q1 2026 | 7.18% | 2.71% | 4.73% | 8.05% | 3.74% |
| Q2 2026 | 6.94% | 2.63% | 4.55% | 7.79% | 3.81% |
Embassy National 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 Embassy National 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 Embassy National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58413) · FFIEC NIC profile (RSSD 3482045)