The First National Bank of Waynesboro: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.20 percentage points to 5.11%. Within Georgia, The First National Bank of Waynesboro is 21st of 121 on net interest margin, 5.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Waynesboro sits 1.16 points higher, at 5.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.17% |
| Yield on loans | 7.64% |
| Yield on securities | 3.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.11% |
| Yield to cost spread | 4.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $605K |
| Interest expense on deposits | $605K |
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 | 5.67% | 0.85% | 4.94% | 6.79% | 1.19% |
| Q4 2023 | 5.96% | 0.98% | 5.13% | 6.89% | 2.67% |
| Q1 2024 | 5.85% | 1.07% | 4.95% | 7.04% | 2.74% |
| Q2 2024 | 6.22% | 1.31% | 5.10% | 7.14% | 2.72% |
| Q3 2024 | 6.29% | 1.34% | 5.17% | 7.41% | 2.84% |
| Q4 2024 | 6.05% | 1.37% | 4.90% | 7.16% | 2.84% |
| Q1 2025 | 5.75% | 1.30% | 4.67% | 7.24% | 2.93% |
| Q2 2025 | 6.20% | 1.33% | 5.09% | 7.48% | 2.88% |
| Q3 2025 | 6.27% | 1.35% | 5.16% | 7.62% | 3.00% |
| Q4 2025 | 6.21% | 1.35% | 5.10% | 7.51% | 2.98% |
| Q1 2026 | 5.97% | 1.28% | 4.91% | 7.42% | 3.00% |
| Q2 2026 | 6.17% | 1.29% | 5.11% | 7.64% | 3.02% |
The First National Bank of Waynesboro yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Waynesboro, 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 The First National Bank of Waynesboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2160) · FFIEC NIC profile (RSSD 31134)