First Century Bank, N.A.: 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.
Yield on loans dropped 2.36 percentage points in Q2 2026, from 6.31% to 3.95%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, First Century Bank, N.A. is 81st of 121 on net interest margin, 4.13% as of Q2 2026, below the middle of the field. First Century Bank, N.A. reported 4.13% on net interest margin for Q2 2026, 0.18 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.10% |
| Yield on loans | 3.95% |
| Yield on securities | 4.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | -0.03% |
| Cost of interest-bearing deposits | -0.14% |
| Cost of interest-bearing liabilities | -0.14% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 4.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | -$60K |
| Interest expense on deposits | -$60K |
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 | 4.64% | 0.84% | 3.91% | 7.03% | 3.91% |
| Q4 2023 | 4.89% | 0.84% | 4.19% | 9.14% | 4.01% |
| Q1 2024 | 10.99% | 1.78% | 9.36% | 37.60% | 4.18% |
| Q2 2024 | 6.17% | 0.39% | 5.84% | 22.58% | 4.32% |
| Q3 2024 | 5.27% | 0.43% | 4.92% | 8.20% | 4.74% |
| Q4 2024 | 4.80% | 0.30% | 4.50% | 7.83% | 4.59% |
| Q1 2025 | 7.04% | 0.32% | 6.75% | 43.32% | 4.43% |
| Q2 2025 | 3.08% | 0.20% | 2.91% | 5.89% | 4.29% |
| Q3 2025 | 3.18% | 0.18% | 3.02% | 4.51% | 4.35% |
| Q4 2025 | 3.43% | 0.18% | 3.27% | 5.98% | 4.30% |
| Q1 2026 | 4.77% | 0.18% | 4.61% | 6.31% | 4.05% |
| Q2 2026 | 4.10% | -0.03% | 4.13% | 3.95% | 4.18% |
First Century Bank, N.A. 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 Century Bank, N.A., 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 Century Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57123) · FFIEC NIC profile (RSSD 2997748)