First National Bank of Decatur 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.
Total interest expense rose 2.9% from Q1 2026 to Q2 2026, ending at $2.0M against $2.0M. It was the largest change among the key lines on this page. Within Georgia, First National Bank of Decatur County is 105th of 121 on net interest margin, 3.63% 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 Decatur County sits 0.32 points lower, at 3.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.93% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| 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 |
|---|---|---|---|
| Q3 2023 | 5.11% | 2.80% | 2.42% |
| Q4 2023 | 5.48% | 2.75% | 2.73% |
| Q1 2024 | 5.42% | 2.79% | 2.68% |
| Q2 2024 | 5.46% | 2.97% | 2.56% |
| Q3 2024 | 5.83% | 3.10% | 2.78% |
| Q4 2024 | 5.63% | 2.88% | 2.77% |
| Q1 2025 | 5.67% | 2.10% | 3.08% |
| Q2 2025 | 5.82% | 2.07% | 3.32% |
| Q3 2025 | 5.99% | 2.26% | 3.38% |
| Q4 2025 | 5.95% | 2.14% | 3.44% |
| Q1 2026 | 6.01% | 2.08% | 3.60% |
| Q2 2026 | 6.08% | 2.12% | 3.63% |
First National Bank of Decatur 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 Decatur 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 Decatur County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57694) · FFIEC NIC profile (RSSD 3232370)