Loyal Trust 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 0.33 percentage points from Q1 2026 to Q2 2026, ending at 3.03% against 2.70%. It was the largest change among the key lines on this page. On net interest margin, Loyal Trust Bank is 7th from the bottom among 121 Georgia banks, 3.03% (Q2 2026). Loyal Trust Bank reported 3.03% on net interest margin for Q2 2026, 0.92 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.57% |
| Cost of interest-bearing deposits | 3.70% |
| Cost of interest-bearing liabilities | 3.67% |
| Cost of borrowings | 3.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.03% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.5M |
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 | 5.84% | 3.51% | 2.76% |
| Q4 2023 | 6.19% | 4.12% | 2.49% |
| Q1 2024 | 6.13% | 4.09% | 2.36% |
| Q2 2024 | 5.93% | 4.25% | 2.02% |
| Q3 2024 | 6.28% | 4.36% | 2.40% |
| Q4 2024 | 6.12% | 4.15% | 2.42% |
| Q1 2025 | 6.05% | 3.93% | 2.51% |
| Q2 2025 | 6.10% | 3.90% | 2.57% |
| Q3 2025 | 6.15% | 3.91% | 2.59% |
| Q4 2025 | 5.98% | 3.75% | 2.54% |
| Q1 2026 | 6.03% | 3.61% | 2.70% |
| Q2 2026 | 6.27% | 3.57% | 3.03% |
Loyal Trust 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 Loyal Trust 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 Loyal Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59182) · FFIEC NIC profile (RSSD 5427684)