FNB South: 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, Net interest margin rose 0.17 percentage points in Q2 2026 to 5.10%, the biggest move on this page. Within Georgia, FNB South is 21st of 121 on net interest margin, 5.10% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. FNB South sits 1.16 points higher, at 5.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.68% |
| Yield on loans | 8.23% |
| Yield on securities | 3.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.10% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.0M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.8M |
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 | 6.25% | 1.70% | 4.82% | 7.17% | 4.08% |
| Q4 2023 | 6.53% | 2.05% | 4.76% | 7.35% | 4.23% |
| Q1 2024 | 6.84% | 2.09% | 4.97% | 7.88% | 4.39% |
| Q2 2024 | 6.89% | 2.13% | 5.00% | 7.73% | 4.41% |
| Q3 2024 | 6.77% | 2.28% | 4.80% | 7.84% | 4.30% |
| Q4 2024 | 6.76% | 2.30% | 4.79% | 8.18% | 4.15% |
| Q1 2025 | 6.50% | 2.19% | 4.56% | 8.16% | 4.09% |
| Q2 2025 | 6.72% | 2.12% | 4.87% | 8.40% | 4.04% |
| Q3 2025 | 6.86% | 2.09% | 5.07% | 8.72% | 3.88% |
| Q4 2025 | 6.60% | 2.02% | 4.87% | 8.31% | 3.87% |
| Q1 2026 | 6.57% | 1.90% | 4.93% | 8.18% | 3.76% |
| Q2 2026 | 6.68% | 1.83% | 5.10% | 8.23% | 3.80% |
FNB South yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB South, 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 FNB South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17011) · FFIEC NIC profile (RSSD 12030)