Southeast First National 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.24 percentage points to 3.86%. Within Georgia, Southeast First National Bank is 98th of 121 on net interest margin, 3.86% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Southeast First National Bank reported 3.86% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.68% |
| Yield on loans | 8.70% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.18% |
| Cost of interest-bearing liabilities | 1.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $432K |
| Total interest expense | $147K |
| Interest expense on deposits | $147K |
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 | 3.61% | 1.15% | 2.59% | 7.97% | 1.42% |
| Q4 2023 | 3.94% | 1.28% | 2.78% | 8.86% | 1.38% |
| Q1 2024 | 3.70% | 1.34% | 2.48% | 7.94% | 1.37% |
| Q2 2024 | 4.14% | 1.23% | 3.04% | 8.71% | 1.34% |
| Q3 2024 | 4.14% | 1.29% | 3.00% | 8.67% | 1.31% |
| Q4 2024 | 4.33% | 1.11% | 3.36% | 8.63% | 1.34% |
| Q1 2025 | 4.10% | 1.34% | 2.92% | 8.73% | 1.29% |
| Q2 2025 | 4.54% | 1.23% | 3.47% | 9.07% | 1.40% |
| Q3 2025 | 4.61% | 1.21% | 3.53% | 8.83% | 1.87% |
| Q4 2025 | 4.64% | 1.15% | 3.64% | 8.68% | 2.05% |
| Q1 2026 | 4.51% | 0.97% | 3.62% | 8.56% | 2.38% |
| Q2 2026 | 4.68% | 0.91% | 3.86% | 8.70% | 2.61% |
Southeast First National 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 Southeast First National 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 Southeast First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19819) · FFIEC NIC profile (RSSD 563934)