Family 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 0.26 percentage points from Q1 2026 to Q2 2026, ending at 4.95% against 5.21%. It was the largest change among the key lines on this page. Within Georgia, Family Bank is 31st of 121 on net interest margin, 4.95% as of Q2 2026, above the middle of the field. Family Bank reported 4.95% on net interest margin for Q2 2026, 1.00 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.75% |
| Yield on loans | 7.11% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.95% |
| Yield to cost spread | 4.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $703K |
| Interest expense on deposits | $703K |
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 | 5.87% | 1.55% | 4.47% | 6.46% | 1.68% |
| Q4 2023 | 6.26% | 1.78% | 4.57% | 6.78% | 1.87% |
| Q1 2024 | 6.30% | 2.13% | 4.30% | 6.78% | 2.08% |
| Q2 2024 | 6.47% | 2.36% | 4.32% | 6.84% | 1.83% |
| Q3 2024 | 6.64% | 2.50% | 4.40% | 7.19% | 1.99% |
| Q4 2024 | 6.83% | 2.44% | 4.69% | 7.25% | 3.08% |
| Q1 2025 | 6.61% | 2.21% | 4.66% | 7.17% | 2.75% |
| Q2 2025 | 7.04% | 2.08% | 5.18% | 7.45% | 2.91% |
| Q3 2025 | 6.97% | 2.02% | 5.19% | 7.37% | 3.05% |
| Q4 2025 | 7.02% | 1.99% | 5.27% | 7.35% | 3.20% |
| Q1 2026 | 6.91% | 1.92% | 5.21% | 7.32% | 2.44% |
| Q2 2026 | 6.75% | 2.03% | 4.95% | 7.11% | 2.64% |
Family 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 Family 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 Family Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29357) · FFIEC NIC profile (RSSD 156970)