Southeastern 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 0.14 percentage points to 4.94%. Within Georgia, Southeastern Bank is 33rd of 121 on net interest margin, 4.94% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Southeastern Bank sits 0.99 points higher, at 4.94% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.81% |
| Cost of interest-bearing deposits | 1.12% |
| Cost of interest-bearing liabilities | 1.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.94% |
| Yield to cost spread | 4.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.71% | 0.33% | 4.41% |
| Q4 2023 | 4.86% | 0.42% | 4.47% |
| Q1 2024 | 5.12% | 0.45% | 4.71% |
| Q2 2024 | 5.25% | 0.66% | 4.65% |
| Q3 2024 | 5.45% | 0.86% | 4.67% |
| Q4 2024 | 5.49% | 0.87% | 4.71% |
| Q1 2025 | 5.35% | 0.89% | 4.53% |
| Q2 2025 | 5.49% | 0.86% | 4.71% |
| Q3 2025 | 5.69% | 0.91% | 4.87% |
| Q4 2025 | 5.64% | 0.91% | 4.82% |
| Q1 2026 | 5.55% | 0.83% | 4.80% |
| Q2 2026 | 5.67% | 0.81% | 4.94% |
Southeastern 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 Southeastern 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 Southeastern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5685) · FFIEC NIC profile (RSSD 210238)