Promiseone 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 4.4% to $5.4M. Promiseone Bank has the 10th lowest net interest margin of the 121 banks headquartered in Georgia, at 3.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Promiseone Bank sits 0.70 points lower, at 3.25% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.72% |
| Yield on securities | 2.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 3.50% |
| Cost of interest-bearing liabilities | 3.50% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.25% |
| Yield to cost spread | 2.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.3M |
| Total interest expense | $5.4M |
| Interest expense on deposits | $5.4M |
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 | 6.26% | 3.51% | 3.05% | 6.92% | 2.74% |
| Q4 2023 | 6.40% | 3.69% | 3.02% | 7.05% | 2.73% |
| Q1 2024 | 6.40% | 3.78% | 2.90% | 7.05% | 2.73% |
| Q2 2024 | 6.39% | 3.82% | 2.92% | 7.06% | 2.70% |
| Q3 2024 | 6.35% | 3.82% | 2.87% | 6.93% | 2.74% |
| Q4 2024 | 6.31% | 3.63% | 3.03% | 7.15% | 2.75% |
| Q1 2025 | 6.00% | 3.25% | 3.00% | 6.71% | 2.75% |
| Q2 2025 | 6.17% | 3.16% | 3.27% | 6.87% | 2.75% |
| Q3 2025 | 6.12% | 3.18% | 3.21% | 6.86% | 2.75% |
| Q4 2025 | 6.05% | 3.17% | 3.15% | 6.86% | 2.43% |
| Q1 2026 | 5.80% | 3.00% | 3.05% | 6.65% | 2.53% |
| Q2 2026 | 5.91% | 2.90% | 3.25% | 6.72% | 2.52% |
Promiseone 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 Promiseone 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 Promiseone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58657) · FFIEC NIC profile (RSSD 3832127)