Great Oaks 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.8% to $1.7M. Within Georgia, Great Oaks Bank is 64th of 121 on net interest margin, 4.45% as of Q2 2026, below the middle of the field. Great Oaks Bank reported 4.45% on net interest margin for Q2 2026, 0.50 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 6.93% |
| Yield on securities | 3.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.45% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 5.90% | 1.69% | 4.45% | 6.58% | 4.70% |
| Q4 2023 | 6.14% | 2.05% | 4.42% | 6.87% | 4.81% |
| Q1 2024 | 6.02% | 2.28% | 4.21% | 6.98% | 5.11% |
| Q2 2024 | 6.15% | 2.37% | 4.21% | 7.21% | 4.75% |
| Q3 2024 | 6.22% | 2.44% | 4.15% | 7.16% | 4.76% |
| Q4 2024 | 6.07% | 2.21% | 4.21% | 6.94% | 4.10% |
| Q1 2025 | 6.16% | 2.01% | 4.46% | 7.06% | 4.69% |
| Q2 2025 | 6.26% | 1.95% | 4.59% | 7.01% | 4.15% |
| Q3 2025 | 6.33% | 1.79% | 4.64% | 7.19% | 4.44% |
| Q4 2025 | 6.38% | 1.77% | 4.70% | 7.20% | 4.24% |
| Q1 2026 | 6.16% | 1.74% | 4.56% | 7.00% | 3.79% |
| Q2 2026 | 6.10% | 1.79% | 4.45% | 6.93% | 3.98% |
Great Oaks 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 Great Oaks 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 Great Oaks Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16780) · FFIEC NIC profile (RSSD 364131)