First National Bank of Coffee County: 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.
Net interest margin rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 3.86% against 3.68%. It was the largest change among the key lines on this page. Within Georgia, First National Bank of Coffee County is 98th of 121 on net interest margin, 3.86% 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 National Bank of Coffee County reported 3.86% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 7.10% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.8M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.70% | 1.77% | 3.01% | 6.33% | 2.20% |
| Q4 2023 | 4.95% | 1.95% | 3.11% | 6.54% | 2.26% |
| Q1 2024 | 5.14% | 1.97% | 3.27% | 6.64% | 2.32% |
| Q2 2024 | 5.44% | 2.21% | 3.32% | 6.70% | 2.53% |
| Q3 2024 | 5.60% | 2.36% | 3.36% | 6.94% | 2.96% |
| Q4 2024 | 5.54% | 2.14% | 3.55% | 7.03% | 3.09% |
| Q1 2025 | 5.29% | 1.92% | 3.48% | 6.80% | 3.15% |
| Q2 2025 | 5.43% | 1.89% | 3.65% | 7.00% | 3.30% |
| Q3 2025 | 5.50% | 1.92% | 3.69% | 7.13% | 3.39% |
| Q4 2025 | 5.45% | 1.79% | 3.80% | 7.23% | 3.41% |
| Q1 2026 | 5.22% | 1.63% | 3.68% | 7.01% | 3.38% |
| Q2 2026 | 5.36% | 1.59% | 3.86% | 7.10% | 3.40% |
First National Bank of Coffee County 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 National Bank of Coffee County, 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 National Bank of Coffee County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33506) · FFIEC NIC profile (RSSD 1892154)