First City Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
On its Q3 2026 filing, First City Bank reported 10 of the 12 line items on this page. It did not report yield on securities and cost of borrowings. Yield on earning assets was 0.48% in Q3 2026.
The standout move of Q3 2026 was in Cost of funds: 1.48 percentage points higher than in Q2 2026, at 2.37%. On net interest margin, First City Bank is 2nd from the bottom among 122 Georgia banks, 0.36% (Q3 2026). Against a median of 3.95% for banks in the < $100M asset tier, First City Bank reported 0.36% on net interest margin in Q3 2026, 3.59 points lower.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 0.48% |
| Yield on loans | 7.30% |
| Yield on securities | — |
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Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 0.36% |
| Yield to cost spread | -1.86% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $175K |
| Total interest expense | $101K |
| Interest expense on deposits | $101K |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Cost of funds |
|---|---|
| Q2 2026 | 0.89% |
| Q3 2026 | 2.37% |
First City Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First City Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 16281) · FFIEC NIC profile (RSSD 6125996)