Oconee 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.28 percentage points to 4.33%. Oconee State Bank ranks 69th of 121 Georgia banks on net interest margin, in the lower half at 4.33% (Q2 2026). Oconee State Bank reported 4.33% on net interest margin for Q2 2026, 0.39 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 6.65% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.7M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.5M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.05% | 1.20% | 3.91% | 5.67% | 3.95% |
| Q4 2023 | 5.37% | 1.53% | 3.93% | 6.05% | 4.16% |
| Q1 2024 | 5.39% | 1.53% | 3.96% | 6.11% | 4.00% |
| Q2 2024 | 5.62% | 1.65% | 4.08% | 6.39% | 4.15% |
| Q3 2024 | 5.83% | 1.80% | 4.14% | 6.65% | 4.21% |
| Q4 2024 | 5.63% | 1.74% | 3.99% | 6.65% | 3.61% |
| Q1 2025 | 5.56% | 1.58% | 4.07% | 6.43% | 3.65% |
| Q2 2025 | 5.86% | 1.66% | 4.30% | 6.74% | 3.76% |
| Q3 2025 | 5.92% | 1.68% | 4.37% | 6.78% | 3.74% |
| Q4 2025 | 5.75% | 1.71% | 4.15% | 6.77% | 3.53% |
| Q1 2026 | 5.60% | 1.66% | 4.05% | 6.55% | 3.19% |
| Q2 2026 | 5.82% | 1.60% | 4.33% | 6.65% | 3.25% |
Oconee 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 Oconee 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 Oconee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18143) · FFIEC NIC profile (RSSD 573036)