Primesouth 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.
Total interest expense rose 6.7% from Q1 2026 to Q2 2026, ending at $6.0M against $5.6M. It was the largest change among the key lines on this page. Within Georgia, Primesouth Bank is 45th of 121 on net interest margin, 4.74% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Primesouth Bank sits 1.03 points higher, at 4.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.34% |
| Yield on loans | 6.85% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.74% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $22.2M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $5.8M |
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 | 6.03% | 1.87% | 4.32% | 6.68% | 2.75% |
| Q4 2023 | 6.17% | 2.11% | 4.23% | 6.80% | 2.76% |
| Q1 2024 | 6.27% | 2.19% | 4.27% | 6.92% | 2.80% |
| Q2 2024 | 6.33% | 2.35% | 4.19% | 6.94% | 2.84% |
| Q3 2024 | 6.52% | 2.48% | 4.26% | 7.17% | 2.91% |
| Q4 2024 | 6.44% | 2.19% | 4.45% | 7.08% | 2.93% |
| Q1 2025 | 6.31% | 1.89% | 4.59% | 6.90% | 2.95% |
| Q2 2025 | 6.48% | 1.88% | 4.79% | 7.08% | 2.99% |
| Q3 2025 | 6.56% | 1.96% | 4.80% | 7.16% | 3.02% |
| Q4 2025 | 6.47% | 1.89% | 4.77% | 7.04% | 3.04% |
| Q1 2026 | 6.24% | 1.73% | 4.68% | 6.77% | 3.05% |
| Q2 2026 | 6.34% | 1.78% | 4.74% | 6.85% | 3.04% |
Primesouth 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 Primesouth 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 Primesouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5694) · FFIEC NIC profile (RSSD 1011638)