First Bank of Coastal Georgia: 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.
Compared with Q1 2026, Cost of borrowings rose 0.37 percentage points in Q2 2026 to 3.73%, the biggest move on this page. On net interest margin, First Bank of Coastal Georgia is 4th from the bottom among 121 Georgia banks, 2.70% (Q2 2026). First Bank of Coastal Georgia reported 2.70% on net interest margin for Q2 2026, 1.25 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.59% |
| Yield on loans | 7.29% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.70% |
| Yield to cost spread | 2.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $837K |
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 | 3.67% | 1.97% | 1.85% | 6.02% | 2.99% |
| Q4 2023 | 3.85% | 1.85% | 2.12% | 6.63% | 2.99% |
| Q1 2024 | 4.02% | 1.89% | 2.29% | 6.95% | 3.11% |
| Q2 2024 | 4.07% | 2.07% | 2.17% | 6.94% | 3.04% |
| Q3 2024 | 4.29% | 2.05% | 2.43% | 7.16% | 3.31% |
| Q4 2024 | 4.07% | 2.21% | 2.01% | 7.01% | 3.11% |
| Q1 2025 | 4.15% | 2.21% | 2.10% | 7.01% | 3.27% |
| Q2 2025 | 4.35% | 2.70% | 1.86% | 7.34% | 3.19% |
| Q3 2025 | 4.49% | 2.40% | 2.27% | 7.31% | 3.35% |
| Q4 2025 | 4.41% | 2.15% | 2.41% | 7.34% | 3.20% |
| Q1 2026 | 4.37% | 1.89% | 2.63% | 7.24% | 3.10% |
| Q2 2026 | 4.59% | 2.05% | 2.70% | 7.29% | 3.26% |
First Bank of Coastal Georgia 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 Bank of Coastal Georgia, 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 Bank of Coastal Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15580) · FFIEC NIC profile (RSSD 823638)