Pineland 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: Total interest expense edged down 1.4% between Q1 2026 and Q2 2026, to $1.6M. Within Georgia, Pineland Bank is 20th of 121 on net interest margin, 5.13% as of Q2 2026, above the middle of the field. Pineland Bank reported 5.13% on net interest margin for Q2 2026, 1.18 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.13% |
| Yield to cost spread | 4.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 6.29% | 1.09% | 5.28% |
| Q4 2023 | 6.66% | 1.34% | 5.43% |
| Q1 2024 | 6.58% | 1.52% | 5.18% |
| Q2 2024 | 6.62% | 1.60% | 5.12% |
| Q3 2024 | 6.80% | 1.74% | 5.18% |
| Q4 2024 | 6.72% | 1.68% | 5.16% |
| Q1 2025 | 6.52% | 1.57% | 5.04% |
| Q2 2025 | 6.58% | 1.58% | 5.09% |
| Q3 2025 | 6.66% | 1.55% | 5.23% |
| Q4 2025 | 6.46% | 1.46% | 5.12% |
| Q1 2026 | 6.37% | 1.32% | 5.15% |
| Q2 2026 | 6.30% | 1.25% | 5.13% |
Pineland 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 Pineland 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 Pineland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15699) · FFIEC NIC profile (RSSD 6039)