United 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 standout move of Q2 2026 was in Total interest expense: 12.5% lower than in Q1 2026, at $2.4M. Within Georgia, United Bank is 18th of 121 on net interest margin, 5.15% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. United Bank sits 1.44 points higher, at 5.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.52% |
| Cost of interest-bearing deposits | 0.84% |
| Cost of interest-bearing liabilities | 0.84% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.15% |
| Yield to cost spread | 4.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.3M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 | 5.65% | 0.41% | 5.24% |
| Q4 2023 | 5.75% | 0.45% | 5.30% |
| Q1 2024 | 5.80% | 0.60% | 5.32% |
| Q2 2024 | 5.86% | 0.55% | 5.36% |
| Q3 2024 | 6.04% | 0.57% | 5.51% |
| Q4 2024 | 5.81% | 0.57% | 5.29% |
| Q1 2025 | 5.73% | 0.55% | 5.22% |
| Q2 2025 | 6.08% | 0.56% | 5.56% |
| Q3 2025 | 5.92% | 0.58% | 5.38% |
| Q4 2025 | 5.74% | 0.59% | 5.20% |
| Q1 2026 | 5.56% | 0.57% | 5.02% |
| Q2 2026 | 5.63% | 0.52% | 5.15% |
United 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 United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 172) · FFIEC NIC profile (RSSD 37435)