Rochelle State 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 3.70% against 3.54%. It was the largest change among the key lines on this page. Rochelle State Bank ranks 104th of 121 Georgia banks on net interest margin, in the lower half at 3.70% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Rochelle State Bank sits 0.17 points lower, at 3.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | 7.09% |
| Yield on securities | 1.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.53% |
| Cost of interest-bearing deposits | 3.19% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $511K |
| Interest expense on deposits | $503K |
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 | 5.37% | 2.03% | 3.21% | 6.60% | 1.38% |
| Q4 2023 | 5.76% | 2.67% | 2.84% | 7.10% | 1.31% |
| Q1 2024 | 5.89% | 2.94% | 2.93% | 7.02% | 1.39% |
| Q2 2024 | 6.39% | 3.09% | 3.09% | 7.64% | 1.35% |
| Q3 2024 | 6.65% | 3.12% | 3.22% | 7.80% | 1.42% |
| Q4 2024 | 6.30% | 3.01% | 2.82% | 7.40% | 1.35% |
| Q1 2025 | 6.24% | 2.73% | 3.09% | 7.75% | 1.39% |
| Q2 2025 | 6.58% | 2.69% | 3.60% | 7.63% | 1.64% |
| Q3 2025 | 6.73% | 2.79% | 3.71% | 7.67% | 2.00% |
| Q4 2025 | 6.49% | 2.88% | 3.70% | 7.57% | 1.98% |
| Q1 2026 | 6.11% | 2.62% | 3.54% | 7.29% | 1.94% |
| Q2 2026 | 6.26% | 2.53% | 3.70% | 7.09% | 1.89% |
Rochelle State 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 Rochelle State 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 Rochelle State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16609) · FFIEC NIC profile (RSSD 649632)