United 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.
Net interest margin climbed 0.56 percentage points in Q2 2026, from 4.31% to 4.87%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, United National Bank is 37th of 121 on net interest margin, 4.87% 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. United National Bank sits 0.92 points higher, at 4.87% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.91% |
| Yield on loans | 7.59% |
| Yield on securities | 4.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 2.76% |
| Cost of borrowings | 2.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 4.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 6.67% | 1.88% | 5.07% | 7.25% | 4.44% |
| Q4 2023 | 6.87% | 2.11% | 5.08% | 7.42% | 4.81% |
| Q1 2024 | 6.88% | 2.28% | 4.95% | 7.53% | 4.86% |
| Q2 2024 | 7.36% | 2.48% | 5.24% | 7.85% | 4.80% |
| Q3 2024 | 7.53% | 2.68% | 5.23% | 8.06% | 4.57% |
| Q4 2024 | 7.35% | 2.66% | 5.06% | 8.02% | 4.24% |
| Q1 2025 | 7.00% | 2.45% | 4.90% | 7.95% | 4.32% |
| Q2 2025 | 7.25% | 2.54% | 5.05% | 7.91% | 4.75% |
| Q3 2025 | 7.11% | 2.58% | 4.88% | 7.88% | 5.13% |
| Q4 2025 | 6.98% | 2.53% | 4.79% | 7.73% | 4.90% |
| Q1 2026 | 6.38% | 2.40% | 4.31% | 7.26% | 4.77% |
| Q2 2026 | 6.91% | 2.38% | 4.87% | 7.59% | 4.65% |
United 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 United 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 United National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35427) · FFIEC NIC profile (RSSD 2914727)