The GEO. D. Warthen 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: Net interest margin edged up 0.04 percentage points between Q1 2026 and Q2 2026, to 5.63%. Among 121 Georgia banks, The GEO. D. Warthen Bank sits 6th from the top on net interest margin, 5.63% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The GEO. D. Warthen Bank sits 1.68 points higher, at 5.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.78% |
| Yield on loans | 7.35% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.17% |
| Cost of interest-bearing deposits | 0.32% |
| Cost of interest-bearing liabilities | 0.32% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.63% |
| Yield to cost spread | 5.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $73K |
| Interest expense on deposits | $73K |
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 | 4.89% | 0.08% | 4.82% | 6.24% | 2.72% |
| Q4 2023 | 5.19% | 0.08% | 5.12% | 6.31% | 3.03% |
| Q1 2024 | 5.16% | 0.09% | 5.07% | 6.25% | 3.29% |
| Q2 2024 | 5.41% | 0.10% | 5.32% | 6.38% | 3.56% |
| Q3 2024 | 5.47% | 0.09% | 5.39% | 6.69% | 3.60% |
| Q4 2024 | 5.58% | 0.09% | 5.50% | 6.89% | 3.48% |
| Q1 2025 | 5.50% | 0.10% | 5.41% | 6.88% | 3.49% |
| Q2 2025 | 5.80% | 0.11% | 5.70% | 7.11% | 3.64% |
| Q3 2025 | 5.75% | 0.11% | 5.66% | 7.07% | 3.64% |
| Q4 2025 | 6.08% | 0.11% | 5.97% | 7.59% | 3.60% |
| Q1 2026 | 5.72% | 0.14% | 5.59% | 7.37% | 3.69% |
| Q2 2026 | 5.78% | 0.17% | 5.63% | 7.35% | 3.66% |
The GEO. D. Warthen 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 The GEO. D. Warthen 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 The GEO. D. Warthen Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2154) · FFIEC NIC profile (RSSD 305237)