Legacy State 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 0.09 percentage points between Q1 2026 and Q2 2026, to 3.96%. Legacy State Bank ranks 93rd of 121 Georgia banks on net interest margin, in the lower half at 3.96% (Q2 2026). At 3.96%, Legacy State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | 6.82% |
| Yield on securities | 3.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 4.92% | 1.92% | 3.15% | 5.85% | 2.40% |
| Q4 2023 | 5.25% | 2.14% | 3.33% | 6.23% | 2.31% |
| Q1 2024 | 5.51% | 2.44% | 3.31% | 6.52% | 2.37% |
| Q2 2024 | 5.80% | 2.46% | 3.59% | 6.88% | 2.57% |
| Q3 2024 | 5.88% | 2.49% | 3.65% | 6.86% | 2.67% |
| Q4 2024 | 5.87% | 2.38% | 3.74% | 6.96% | 2.79% |
| Q1 2025 | 5.60% | 2.22% | 3.60% | 6.58% | 2.85% |
| Q2 2025 | 6.08% | 2.22% | 4.09% | 7.11% | 2.96% |
| Q3 2025 | 6.02% | 2.33% | 3.92% | 6.99% | 2.93% |
| Q4 2025 | 6.04% | 2.32% | 3.97% | 7.16% | 3.23% |
| Q1 2026 | 5.84% | 2.20% | 3.87% | 6.78% | 3.36% |
| Q2 2026 | 5.96% | 2.24% | 3.96% | 6.82% | 3.44% |
Legacy State 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 Legacy State 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 Legacy State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57882) · FFIEC NIC profile (RSSD 3340903)