First Southern 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.21 percentage points between Q1 2026 and Q2 2026, to 7.20%. First Southern Bank ranks 59th of 121 Georgia banks on net interest margin, in the upper half at 4.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Southern Bank sits 0.62 points higher, at 4.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 7.20% |
| Yield on securities | 2.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 5.17% | 1.18% | 4.00% | 6.39% | 2.30% |
| Q4 2023 | 5.31% | 1.41% | 3.95% | 6.56% | 2.31% |
| Q1 2024 | 5.36% | 1.44% | 3.95% | 6.63% | 2.25% |
| Q2 2024 | 5.44% | 1.52% | 3.95% | 6.71% | 2.29% |
| Q3 2024 | 5.63% | 1.51% | 4.14% | 6.95% | 2.26% |
| Q4 2024 | 5.69% | 1.34% | 4.41% | 7.09% | 2.26% |
| Q1 2025 | 5.66% | 1.19% | 4.49% | 7.02% | 2.22% |
| Q2 2025 | 5.76% | 1.26% | 4.53% | 7.13% | 2.25% |
| Q3 2025 | 6.01% | 1.34% | 4.71% | 7.37% | 2.22% |
| Q4 2025 | 6.00% | 1.29% | 4.76% | 7.35% | 2.23% |
| Q1 2026 | 5.75% | 1.20% | 4.58% | 6.99% | 2.20% |
| Q2 2026 | 5.86% | 1.33% | 4.57% | 7.20% | 2.19% |
First Southern 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 Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10055) · FFIEC NIC profile (RSSD 631039)