Exchange 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 climbed 0.96 percentage points in Q2 2026, from 4.38% to 5.34%. It was the largest change from Q1 2026 among the key lines here. Among 121 Georgia banks, Exchange Bank sits 11th from the top on net interest margin, 5.34% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Exchange Bank sits 1.40 points higher, at 5.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.58% |
| Yield on loans | 7.59% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 1.68% |
| Cost of interest-bearing liabilities | 1.79% |
| Cost of borrowings | 4.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.34% |
| Yield to cost spread | 4.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $1.2M |
| 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 | 4.47% | 0.99% | 3.56% | 6.24% | 2.19% |
| Q4 2023 | 4.78% | 1.13% | 3.74% | 6.61% | 2.32% |
| Q1 2024 | 4.85% | 1.23% | 3.63% | 6.71% | 2.31% |
| Q2 2024 | 4.99% | 1.34% | 3.71% | 6.98% | 2.21% |
| Q3 2024 | 5.29% | 1.50% | 3.85% | 7.26% | 2.30% |
| Q4 2024 | 5.31% | 1.53% | 3.90% | 7.43% | 2.19% |
| Q1 2025 | 5.44% | 1.53% | 4.02% | 7.38% | 2.30% |
| Q2 2025 | 5.59% | 1.56% | 4.16% | 7.65% | 2.12% |
| Q3 2025 | 5.76% | 1.56% | 4.33% | 7.68% | 2.36% |
| Q4 2025 | 5.69% | 1.60% | 4.24% | 7.64% | 2.23% |
| Q1 2026 | 5.77% | 1.49% | 4.38% | 7.37% | 2.18% |
| Q2 2026 | 6.58% | 1.33% | 5.34% | 7.59% | 3.64% |
Exchange 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 Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 160) · FFIEC NIC profile (RSSD 613839)