First American Bank and Trust Company: 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.
The standout move of Q3 2026 was in Total interest expense: 15.2% higher than in Q2 2026, at $2.3M. Within Georgia, First American Bank and Trust Company is 56th of 121 on net interest margin, 4.61% as of Q3 2026, above the middle of the field. First American Bank and Trust Company reported 4.61% on net interest margin for Q3 2026, 0.66 points above the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.21% |
| Yield on securities | 3.55% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.60% |
| Cost of borrowings | 1.23% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 4.06% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $10.9M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.56% | 0.96% | 3.68% | 5.44% | 2.67% |
| Q1 2024 | 4.74% | 1.14% | 3.66% | 5.44% | 2.92% |
| Q2 2024 | 5.08% | 1.15% | 4.02% | 5.52% | 3.35% |
| Q3 2024 | 5.33% | 1.16% | 4.26% | 5.83% | 3.57% |
| Q4 2024 | 5.27% | 1.02% | 4.35% | 5.77% | 3.46% |
| Q1 2025 | 5.16% | 0.94% | 4.31% | 5.70% | 3.46% |
| Q2 2025 | 5.36% | 1.03% | 4.42% | 5.86% | 3.47% |
| Q3 2025 | 5.48% | 1.03% | 4.57% | 6.06% | 3.54% |
| Q4 2025 | 5.44% | 0.97% | 4.57% | 6.04% | 3.47% |
| Q1 2026 | 5.43% | 0.99% | 4.54% | 5.95% | 3.46% |
| Q2 2026 | 5.61% | 1.05% | 4.66% | 6.07% | 3.48% |
| Q3 2026 | 5.66% | 1.17% | 4.61% | 6.21% | 3.55% |
First American Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank and Trust Company, 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 First American Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16858) · FFIEC NIC profile (RSSD 921039)