First State 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.21 percentage points to 4.46%. First State Bank ranks 62nd of 121 Georgia banks on net interest margin, in the lower half at 4.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First State Bank sits 0.52 points higher, at 4.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.23% |
| Yield on loans | 8.16% |
| Yield on securities | 2.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.01% |
| Cost of interest-bearing deposits | 3.25% |
| Cost of interest-bearing liabilities | 3.29% |
| Cost of borrowings | 4.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.46% |
| Yield to cost spread | 3.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $3.3M |
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 | 6.19% | 2.94% | 3.40% | 7.17% | 1.99% |
| Q4 2023 | 6.39% | 3.18% | 3.38% | 7.38% | 2.00% |
| Q1 2024 | 6.64% | 3.27% | 3.52% | 7.63% | 2.00% |
| Q2 2024 | 6.85% | 3.47% | 3.57% | 7.86% | 2.01% |
| Q3 2024 | 7.07% | 3.58% | 3.69% | 8.13% | 1.99% |
| Q4 2024 | 7.02% | 3.49% | 3.71% | 8.10% | 2.00% |
| Q1 2025 | 7.12% | 3.17% | 4.14% | 8.06% | 2.00% |
| Q2 2025 | 7.21% | 3.16% | 4.25% | 8.08% | 2.00% |
| Q3 2025 | 7.35% | 3.25% | 4.32% | 8.20% | 2.06% |
| Q4 2025 | 7.31% | 3.16% | 4.36% | 8.15% | 2.07% |
| Q1 2026 | 7.06% | 3.03% | 4.25% | 8.04% | 2.07% |
| Q2 2026 | 7.23% | 3.01% | 4.46% | 8.16% | 2.08% |
First State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19163) · FFIEC NIC profile (RSSD 36933)