Metro City 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.
In Q2 2026, Yield on earning assets edged up by 0.14 percentage points, from 6.39% to 6.53%, the largest move among the key lines here. Within Georgia, Metro City Bank is 85th of 121 on net interest margin, 4.08% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Metro City Bank sits 0.37 points higher, at 4.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.53% |
| Yield on loans | 6.74% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.65% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.33% |
| Cost of borrowings | 4.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $67.3M |
| Total interest expense | $26.4M |
| Interest expense on deposits | $22.1M |
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 | 5.88% | 3.22% | 2.92% | 6.03% | 3.02% |
| Q4 2023 | 6.09% | 3.22% | 3.14% | 6.16% | 5.47% |
| Q1 2024 | 6.21% | 3.23% | 3.21% | 6.30% | 2.78% |
| Q2 2024 | 6.35% | 2.97% | 3.60% | 6.43% | 3.17% |
| Q3 2024 | 6.36% | 3.02% | 3.58% | 6.46% | 2.80% |
| Q4 2024 | 6.25% | 2.91% | 3.57% | 6.35% | 3.89% |
| Q1 2025 | 6.19% | 2.81% | 3.60% | 6.31% | 2.48% |
| Q2 2025 | 6.29% | 2.77% | 3.74% | 6.47% | 3.28% |
| Q3 2025 | 6.26% | 2.82% | 3.69% | 6.42% | 3.32% |
| Q4 2025 | 5.24% | 2.39% | 3.13% | 5.42% | 2.31% |
| Q1 2026 | 6.39% | 2.57% | 4.01% | 6.65% | 3.65% |
| Q2 2026 | 6.53% | 2.65% | 4.08% | 6.74% | 3.58% |
Metro City 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 Metro City 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 Metro City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58181) · FFIEC NIC profile (RSSD 3437456)