First Federal Savings & Loan Association of Valdosta: 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged down 0.18 percentage points between Q1 2026 and Q2 2026, to 1.89%. Within Georgia, First Federal Savings & Loan Association of Valdosta is 78th of 121 on net interest margin, 4.18% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Federal Savings & Loan Association of Valdosta sits 0.23 points higher, at 4.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.48% |
| Yield on loans | 6.67% |
| Yield on securities | 1.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.58% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.71% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.2M |
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 | 5.54% | 1.60% | 4.17% | 5.64% | 1.73% |
| Q4 2023 | 5.82% | 1.80% | 4.28% | 5.91% | 1.35% |
| Q1 2024 | 6.08% | 1.91% | 4.44% | 6.18% | 1.88% |
| Q2 2024 | 6.33% | 2.19% | 4.44% | 6.44% | 1.81% |
| Q3 2024 | 6.36% | 2.47% | 4.23% | 6.51% | 1.98% |
| Q4 2024 | 6.34% | 2.47% | 4.19% | 6.52% | 1.99% |
| Q1 2025 | 6.37% | 2.29% | 4.30% | 6.65% | 2.17% |
| Q2 2025 | 6.39% | 2.39% | 4.26% | 6.52% | 1.99% |
| Q3 2025 | 6.37% | 2.54% | 4.15% | 6.51% | 2.01% |
| Q4 2025 | 6.36% | 2.52% | 4.08% | 6.52% | 2.41% |
| Q1 2026 | 6.43% | 2.52% | 4.13% | 6.63% | 2.07% |
| Q2 2026 | 6.48% | 2.58% | 4.18% | 6.67% | 1.89% |
First Federal Savings & Loan Association of Valdosta 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 Federal Savings & Loan Association of Valdosta, 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 Federal Savings & Loan Association of Valdosta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29164) · FFIEC NIC profile (RSSD 828174)