South Georgia Banking Company: 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.
Compared with Q1 2026, Net interest margin rose 0.23 percentage points in Q2 2026 to 5.33%, the biggest move on this page. South Georgia Banking Company ranks 13th of 121 Georgia banks on net interest margin, in the upper half at 5.33% (Q2 2026). South Georgia Banking Company reported 5.33% on net interest margin for Q2 2026, 1.38 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 7.05% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.74% |
| Cost of interest-bearing deposits | 1.16% |
| Cost of interest-bearing liabilities | 1.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.33% |
| Yield to cost spread | 4.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $921K |
| Interest expense on deposits | $921K |
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 | 4.99% | 0.41% | 4.61% | 5.92% | 2.58% |
| Q4 2023 | 5.26% | 0.42% | 4.85% | 6.09% | 2.66% |
| Q1 2024 | 5.28% | 0.52% | 4.78% | 6.28% | 2.71% |
| Q2 2024 | 5.40% | 0.60% | 4.84% | 6.32% | 2.73% |
| Q3 2024 | 5.66% | 0.62% | 5.06% | 6.79% | 2.75% |
| Q4 2024 | 5.61% | 0.61% | 5.03% | 6.80% | 2.70% |
| Q1 2025 | 5.64% | 0.59% | 5.07% | 6.86% | 2.82% |
| Q2 2025 | 5.69% | 0.61% | 5.10% | 6.86% | 2.77% |
| Q3 2025 | 5.80% | 0.67% | 5.17% | 6.93% | 2.74% |
| Q4 2025 | 5.75% | 0.71% | 5.07% | 6.95% | 2.72% |
| Q1 2026 | 5.78% | 0.70% | 5.10% | 6.94% | 2.72% |
| Q2 2026 | 6.02% | 0.74% | 5.33% | 7.05% | 2.70% |
South Georgia Banking Company 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 Banking Company, 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20198) · FFIEC NIC profile (RSSD 767732)