South Georgia 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 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.53% against 4.33%. It was the largest change among the key lines on this page. Within Georgia, South Georgia Bank is 62nd of 121 on net interest margin, 4.53% as of Q2 2026, below the middle of the field. South Georgia Bank reported 4.53% on net interest margin for Q2 2026, 0.58 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 7.60% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $768K |
| Interest expense on deposits | $768K |
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 | 5.31% | 1.13% | 4.33% | 7.15% | 2.33% |
| Q4 2023 | 5.52% | 1.34% | 4.32% | 7.05% | 2.20% |
| Q1 2024 | 5.52% | 1.58% | 4.16% | 7.31% | 2.49% |
| Q2 2024 | 5.81% | 1.74% | 4.27% | 7.48% | 2.66% |
| Q3 2024 | 5.88% | 1.82% | 4.30% | 7.71% | 2.69% |
| Q4 2024 | 5.85% | 1.78% | 4.30% | 7.63% | 2.69% |
| Q1 2025 | 5.53% | 1.65% | 4.07% | 7.39% | 2.72% |
| Q2 2025 | 5.83% | 1.62% | 4.39% | 7.83% | 2.76% |
| Q3 2025 | 5.81% | 1.60% | 4.39% | 7.70% | 2.77% |
| Q4 2025 | 5.87% | 1.51% | 4.52% | 7.72% | 2.80% |
| Q1 2026 | 5.59% | 1.39% | 4.33% | 7.37% | 2.88% |
| Q2 2026 | 5.75% | 1.33% | 4.53% | 7.60% | 2.99% |
South Georgia 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 South Georgia 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 South Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32532) · FFIEC NIC profile (RSSD 995571)