Thomasville 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.
Cost of borrowings fell 0.50 percentage points from Q1 2026 to Q2 2026, ending at 2.74% against 3.24%. It was the largest change among the key lines on this page. Thomasville National Bank ranks 75th of 121 Georgia banks on net interest margin, in the lower half at 4.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Thomasville National Bank sits 0.51 points higher, at 4.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.38% |
| Yield on loans | 6.68% |
| Yield on securities | 3.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.76% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 2.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.22% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.5M |
| Total interest expense | $11.0M |
| Interest expense on deposits | $10.6M |
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 | 6.08% | 2.37% | 3.91% | 6.37% | 3.45% |
| Q4 2023 | 6.38% | 2.75% | 3.86% | 6.54% | 4.61% |
| Q1 2024 | 6.44% | 2.89% | 3.79% | 6.70% | 5.28% |
| Q2 2024 | 6.68% | 2.99% | 3.94% | 6.88% | 5.23% |
| Q3 2024 | 6.69% | 3.11% | 3.86% | 7.01% | 5.17% |
| Q4 2024 | 6.63% | 2.91% | 3.99% | 7.02% | 4.62% |
| Q1 2025 | 6.40% | 2.68% | 3.95% | 6.82% | 4.24% |
| Q2 2025 | 6.71% | 2.62% | 4.35% | 6.99% | 4.19% |
| Q3 2025 | 6.71% | 2.69% | 4.27% | 7.08% | 4.11% |
| Q4 2025 | 6.53% | 2.57% | 4.21% | 6.89% | 3.94% |
| Q1 2026 | 6.24% | 2.40% | 4.06% | 6.64% | 3.80% |
| Q2 2026 | 6.38% | 2.38% | 4.22% | 6.68% | 3.81% |
Thomasville 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 Thomasville 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 Thomasville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34068) · FFIEC NIC profile (RSSD 2344753)