Northeast Georgia 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 fell 4.5% to $1.4M. Within Georgia, Northeast Georgia Bank is 45th of 121 on net interest margin, 4.74% as of Q2 2026, above the middle of the field. Northeast Georgia Bank reported 4.74% on net interest margin for Q2 2026, 0.79 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 7.33% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.31% |
| Cost of interest-bearing liabilities | 1.30% |
| Cost of borrowings | 0.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.74% |
| Yield to cost spread | 4.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.10% | 0.73% | 4.42% | 6.28% | 3.06% |
| Q4 2023 | 5.28% | 0.87% | 4.47% | 6.49% | 3.12% |
| Q1 2024 | 5.44% | 0.95% | 4.53% | 6.56% | 3.37% |
| Q2 2024 | 5.65% | 1.06% | 4.65% | 6.81% | 3.32% |
| Q3 2024 | 5.74% | 1.17% | 4.64% | 7.17% | 3.32% |
| Q4 2024 | 5.60% | 1.23% | 4.47% | 7.18% | 3.39% |
| Q1 2025 | 5.58% | 1.19% | 4.48% | 7.11% | 3.56% |
| Q2 2025 | 5.74% | 1.17% | 4.66% | 7.27% | 3.53% |
| Q3 2025 | 5.95% | 1.13% | 4.91% | 7.71% | 3.55% |
| Q4 2025 | 5.69% | 1.10% | 4.70% | 7.40% | 3.47% |
| Q1 2026 | 5.46% | 1.03% | 4.52% | 7.25% | 3.46% |
| Q2 2026 | 5.65% | 0.99% | 4.74% | 7.33% | 3.50% |
Northeast Georgia 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 Northeast Georgia 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 Northeast Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15771) · FFIEC NIC profile (RSSD 888833)