First National Community Bank: 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.
Compared with Q1 2026, Total interest expense rose 4.2% in Q2 2026 to $3.0M, the biggest move on this page. First National Community Bank ranks 35th of 121 Georgia banks on net interest margin, in the upper half at 4.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Community Bank sits 0.97 points higher, at 4.92% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.62% |
| Yield on loans | 7.69% |
| Yield on securities | 2.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.92% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.2M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $3.0M |
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 | 6.43% | 0.97% | 5.55% | 6.85% | 2.80% |
| Q4 2023 | 6.70% | 1.49% | 5.35% | 7.21% | 2.83% |
| Q1 2024 | 6.72% | 1.78% | 5.10% | 7.26% | 2.87% |
| Q2 2024 | 6.88% | 1.82% | 5.25% | 7.49% | 3.00% |
| Q3 2024 | 7.16% | 1.90% | 5.44% | 7.78% | 3.06% |
| Q4 2024 | 6.94% | 1.97% | 5.17% | 7.59% | 3.06% |
| Q1 2025 | 6.83% | 1.97% | 5.06% | 7.58% | 3.11% |
| Q2 2025 | 6.79% | 1.97% | 5.01% | 7.54% | 2.92% |
| Q3 2025 | 7.08% | 2.03% | 5.27% | 7.95% | 2.95% |
| Q4 2025 | 6.76% | 1.98% | 5.00% | 7.84% | 2.99% |
| Q1 2026 | 6.54% | 1.89% | 4.84% | 7.61% | 2.91% |
| Q2 2026 | 6.62% | 1.90% | 4.92% | 7.69% | 2.83% |
First National Community Bank 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 Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22092) · FFIEC NIC profile (RSSD 450632)