First State Bank of Blakely: 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 standout move of Q2 2026 was in Cost of borrowings: 1.88 percentage points lower than in Q1 2026, at 2.72%. First State Bank of Blakely ranks 25th of 121 Georgia banks on net interest margin, in the upper half at 5.01% (Q2 2026). First State Bank of Blakely reported 5.01% on net interest margin for Q2 2026, 1.06 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.70% |
| Yield on loans | 8.05% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 2.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.01% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.0M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.7M |
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 | 6.50% | 1.78% | 4.98% | 7.27% | 4.37% |
| Q4 2023 | 6.90% | 2.13% | 5.09% | 7.71% | 4.70% |
| Q1 2024 | 7.04% | 2.23% | 5.14% | 7.96% | 4.66% |
| Q2 2024 | 7.26% | 2.32% | 5.27% | 8.12% | 4.64% |
| Q3 2024 | 7.43% | 2.57% | 5.23% | 8.43% | 4.60% |
| Q4 2024 | 7.14% | 2.63% | 4.91% | 8.32% | 4.16% |
| Q1 2025 | 6.89% | 2.41% | 4.84% | 8.28% | 3.89% |
| Q2 2025 | 7.12% | 2.28% | 5.13% | 8.29% | 3.94% |
| Q3 2025 | 7.09% | 2.44% | 5.04% | 8.25% | 3.93% |
| Q4 2025 | 6.70% | 2.40% | 4.68% | 7.93% | 3.68% |
| Q1 2026 | 6.56% | 2.15% | 4.76% | 7.95% | 3.42% |
| Q2 2026 | 6.70% | 1.97% | 5.01% | 8.05% | 3.52% |
First State Bank of Blakely 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 of Blakely, 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 of Blakely profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15496) · FFIEC NIC profile (RSSD 5135)