G.W. Jones Exchange 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 standout move of Q2 2026 was in Net interest margin: 1.49 percentage points higher than in Q1 2026, at 4.10%. G.W. Jones Exchange Bank ranks 36th of 72 Michigan banks on net interest margin, in the upper half at 4.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. G.W. Jones Exchange Bank sits 0.15 points higher, at 4.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.76% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.67% |
| Cost of interest-bearing deposits | 1.23% |
| Cost of interest-bearing liabilities | 1.26% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $531K |
| Total interest expense | $175K |
| Interest expense on deposits | $172K |
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 |
|---|---|---|---|
| Q3 2023 | 3.81% | 0.55% | 3.18% |
| Q4 2023 | 5.03% | 0.70% | 4.24% |
| Q1 2024 | 3.53% | 0.59% | 2.87% |
| Q2 2024 | 3.73% | 0.82% | 2.93% |
| Q3 2024 | 3.52% | 1.02% | 2.63% |
| Q4 2024 | 4.96% | 0.85% | 4.22% |
| Q1 2025 | 3.54% | 0.67% | 2.88% |
| Q2 2025 | 4.67% | 0.66% | 4.04% |
| Q3 2025 | 4.43% | 0.71% | 3.76% |
| Q4 2025 | 5.40% | 0.65% | 4.78% |
| Q1 2026 | 3.21% | 0.62% | 2.61% |
| Q2 2026 | 4.76% | 0.67% | 4.10% |
G.W. Jones Exchange 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 G.W. Jones Exchange 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 G.W. Jones Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 999) · FFIEC NIC profile (RSSD 540542)