First Bank of Pike: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.29 percentage points to 5.58%. On net interest margin, First Bank of Pike ranks 7th highest among the 121 banks headquartered in Georgia, at 5.58% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. First Bank of Pike sits 1.69 points higher, at 5.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.68% |
| Yield on loans | 8.54% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.74% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.58% |
| Yield to cost spread | 4.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $231K |
| Interest expense on deposits | $231K |
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 | 6.29% | 0.67% | 5.65% | 7.85% | 1.88% |
| Q4 2023 | 6.44% | 0.84% | 5.63% | 7.80% | 1.79% |
| Q1 2024 | 6.65% | 0.96% | 5.72% | 8.17% | 1.81% |
| Q2 2024 | 6.78% | 1.15% | 5.70% | 8.29% | 1.81% |
| Q3 2024 | 7.03% | 1.23% | 5.87% | 8.57% | 1.88% |
| Q4 2024 | 7.06% | 1.21% | 5.85% | 8.79% | 2.45% |
| Q1 2025 | 6.96% | 1.18% | 5.87% | 8.82% | 2.46% |
| Q2 2025 | 7.10% | 1.24% | 5.94% | 8.77% | 2.38% |
| Q3 2025 | 6.90% | 1.46% | 5.53% | 8.68% | 2.63% |
| Q4 2025 | 7.12% | 1.41% | 5.77% | 9.10% | 2.67% |
| Q1 2026 | 6.53% | 1.30% | 5.29% | 8.44% | 2.87% |
| Q2 2026 | 6.68% | 1.18% | 5.58% | 8.54% | 2.78% |
First Bank of Pike 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 Pike, 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 Pike profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9070) · FFIEC NIC profile (RSSD 760939)