River City 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.
Cost of borrowings rose 0.60 percentage points from Q1 2026 to Q2 2026, ending at 2.80% against 2.20%. It was the largest change among the key lines on this page. River City Bank ranks 44th of 121 Georgia banks on net interest margin, in the upper half at 4.75% (Q2 2026). River City Bank reported 4.75% on net interest margin for Q2 2026, 0.80 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.31% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 2.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.75% |
| Yield to cost spread | 4.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| 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 | 5.40% | 1.12% | 4.32% |
| Q4 2023 | 5.71% | 1.27% | 4.49% |
| Q1 2024 | 5.86% | 1.33% | 4.57% |
| Q2 2024 | 6.12% | 1.55% | 4.66% |
| Q3 2024 | 6.30% | 1.81% | 4.61% |
| Q4 2024 | 6.20% | 1.83% | 4.53% |
| Q1 2025 | 6.27% | 1.81% | 4.62% |
| Q2 2025 | 6.48% | 1.92% | 4.73% |
| Q3 2025 | 6.55% | 2.06% | 4.62% |
| Q4 2025 | 6.52% | 1.95% | 4.69% |
| Q1 2026 | 6.28% | 1.75% | 4.68% |
| Q2 2026 | 6.31% | 1.70% | 4.75% |
River City 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 River City 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 River City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58289) · FFIEC NIC profile (RSSD 3445901)