Waycross Bank & Trust: 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 rose 0.32 percentage points from Q1 2026 to Q2 2026, ending at 4.00% against 3.68%. It was the largest change among the key lines on this page. On net interest margin, Waycross Bank & Trust is 9th from the bottom among 121 Georgia banks, 3.20% (Q2 2026). Waycross Bank & Trust reported 3.20% on net interest margin for Q2 2026, 0.75 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.57% |
| Yield on loans | 6.21% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $830K |
| Interest expense on deposits | $805K |
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 | 4.12% | 1.47% | 2.78% | 5.75% | 1.85% |
| Q4 2023 | 4.33% | 1.73% | 2.74% | 6.11% | 1.83% |
| Q1 2024 | 4.34% | 1.97% | 2.54% | 5.98% | 1.85% |
| Q2 2024 | 4.58% | 2.01% | 2.72% | 6.27% | 1.93% |
| Q3 2024 | 4.83% | 2.14% | 2.86% | 6.50% | 1.90% |
| Q4 2024 | 4.78% | 2.01% | 2.94% | 6.50% | 1.95% |
| Q1 2025 | 4.66% | 1.77% | 3.04% | 6.28% | 2.08% |
| Q2 2025 | 4.65% | 1.72% | 3.11% | 6.38% | 2.12% |
| Q3 2025 | 4.68% | 1.79% | 3.07% | 6.43% | 2.25% |
| Q4 2025 | 4.63% | 1.67% | 3.13% | 6.25% | 2.35% |
| Q1 2026 | 4.49% | 1.53% | 3.11% | 6.18% | 2.37% |
| Q2 2026 | 4.57% | 1.54% | 3.20% | 6.21% | 2.56% |
Waycross Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waycross Bank & Trust, 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 Waycross Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27254) · FFIEC NIC profile (RSSD 1191352)