Rabun County 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 standout move of Q2 2026 was in Net interest margin: 0.41 percentage points higher than in Q1 2026, at 4.31%. Within Georgia, Rabun County Bank is 71st of 121 on net interest margin, 4.31% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Rabun County Bank sits 0.36 points higher, at 4.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.93% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| 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 | 5.41% | 1.25% | 4.25% | 5.83% | 2.68% |
| Q4 2023 | 5.80% | 1.52% | 4.40% | 5.98% | 2.87% |
| Q1 2024 | 5.69% | 1.65% | 4.16% | 6.19% | 3.36% |
| Q2 2024 | 6.13% | 1.84% | 4.44% | 6.51% | 3.64% |
| Q3 2024 | 5.92% | 2.04% | 4.03% | 6.63% | 3.53% |
| Q4 2024 | 6.06% | 2.16% | 4.05% | 6.80% | 3.11% |
| Q1 2025 | 5.66% | 2.08% | 3.72% | 6.67% | 3.16% |
| Q2 2025 | 5.99% | 2.04% | 4.09% | 6.80% | 3.01% |
| Q3 2025 | 5.84% | 2.02% | 3.96% | 6.87% | 3.11% |
| Q4 2025 | 5.88% | 1.88% | 4.13% | 6.97% | 3.17% |
| Q1 2026 | 5.55% | 1.76% | 3.90% | 6.89% | 3.04% |
| Q2 2026 | 5.91% | 1.71% | 4.31% | 6.93% | 3.06% |
Rabun County 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 Rabun County 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 Rabun County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22138) · FFIEC NIC profile (RSSD 514936)