F&M 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, Cost of borrowings rose 0.32 percentage points in Q2 2026 to 4.24%, the biggest move on this page. Within Georgia, F&M Bank is 37th of 121 on net interest margin, 4.86% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. F&M Bank sits 0.92 points higher, at 4.86% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.44% |
| Yield on loans | 8.15% |
| Yield on securities | 2.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | 4.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.86% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 5.20% | 0.98% | 4.32% | 7.03% | 2.27% |
| Q4 2023 | 5.48% | 1.23% | 4.38% | 7.34% | 2.33% |
| Q1 2024 | 5.66% | 1.39% | 4.41% | 7.59% | 2.33% |
| Q2 2024 | 6.22% | 1.65% | 4.72% | 7.97% | 2.78% |
| Q3 2024 | 6.32% | 1.89% | 4.64% | 8.30% | 2.49% |
| Q4 2024 | 6.50% | 1.86% | 4.85% | 8.51% | 2.49% |
| Q1 2025 | 6.29% | 1.76% | 4.70% | 8.31% | 2.25% |
| Q2 2025 | 6.33% | 1.73% | 4.78% | 8.19% | 2.27% |
| Q3 2025 | 6.50% | 1.70% | 4.99% | 8.37% | 2.28% |
| Q4 2025 | 6.46% | 1.76% | 4.88% | 8.24% | 2.30% |
| Q1 2026 | 6.30% | 1.71% | 4.75% | 7.99% | 2.52% |
| Q2 2026 | 6.44% | 1.75% | 4.86% | 8.15% | 2.51% |
F&M 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 F&M 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 F&M Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16897) · FFIEC NIC profile (RSSD 510330)