First National Bank of Griffin: 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: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 4.56%. Within Georgia, First National Bank of Griffin is 60th of 121 on net interest margin, 4.56% as of Q2 2026, above the middle of the field. First National Bank of Griffin reported 4.56% on net interest margin for Q2 2026, 0.61 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.56% |
| Cost of interest-bearing deposits | 0.83% |
| Cost of interest-bearing liabilities | 0.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 4.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $450K |
| Interest expense on deposits | $428K |
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 | 4.55% | 0.55% | 4.01% |
| Q4 2023 | 4.75% | 0.62% | 4.14% |
| Q1 2024 | 4.84% | 0.66% | 4.19% |
| Q2 2024 | 5.07% | 0.75% | 4.37% |
| Q3 2024 | 5.13% | 0.75% | 4.41% |
| Q4 2024 | 5.05% | 0.73% | 4.35% |
| Q1 2025 | 4.84% | 0.73% | 4.15% |
| Q2 2025 | 5.07% | 0.71% | 4.41% |
| Q3 2025 | 5.35% | 0.66% | 4.71% |
| Q4 2025 | 5.14% | 0.61% | 4.57% |
| Q1 2026 | 5.03% | 0.58% | 4.48% |
| Q2 2026 | 5.06% | 0.56% | 4.56% |
First National Bank of Griffin 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 Griffin, 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 Griffin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 169) · FFIEC NIC profile (RSSD 563233)