Georgia Community 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 4.93% against 4.77%. It was the largest change among the key lines on this page. Georgia Community Bank ranks 34th of 121 Georgia banks on net interest margin, in the upper half at 4.93% (Q2 2026). Georgia Community Bank reported 4.93% on net interest margin for Q2 2026, 0.98 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.40% |
| Yield on loans | 7.66% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 5.67% | 1.32% | 4.44% | 6.81% | 2.45% |
| Q4 2023 | 5.83% | 1.46% | 4.46% | 6.94% | 2.65% |
| Q1 2024 | 5.99% | 1.57% | 4.55% | 7.13% | 2.76% |
| Q2 2024 | 6.18% | 1.67% | 4.64% | 7.25% | 2.86% |
| Q3 2024 | 6.54% | 1.94% | 4.74% | 7.59% | 2.88% |
| Q4 2024 | 6.50% | 1.94% | 4.71% | 7.67% | 2.84% |
| Q1 2025 | 6.19% | 1.72% | 4.60% | 7.32% | 2.90% |
| Q2 2025 | 6.56% | 1.66% | 5.03% | 7.62% | 3.02% |
| Q3 2025 | 6.66% | 1.68% | 5.12% | 7.71% | 3.07% |
| Q4 2025 | 6.55% | 1.65% | 5.04% | 7.64% | 3.09% |
| Q1 2026 | 6.23% | 1.59% | 4.77% | 7.56% | 3.16% |
| Q2 2026 | 6.40% | 1.62% | 4.93% | 7.66% | 3.11% |
Georgia Community 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 Georgia Community 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 Georgia Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35320) · FFIEC NIC profile (RSSD 2823221)