West Central Georgia 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged down 0.20 percentage points between Q2 2026 and Q3 2026, to 7.67%. West Central Georgia Bank ranks 68th of 121 Georgia banks on net interest margin, in the lower half at 4.36% (Q3 2026). West Central Georgia Bank reported 4.36% on net interest margin for Q3 2026, 0.41 points above the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $407K |
| Interest expense on deposits | $407K |
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 |
|---|---|---|---|
| Q4 2023 | 4.69% | 0.48% | 4.33% |
| Q1 2024 | 4.85% | 0.68% | 4.34% |
| Q2 2024 | 5.06% | 0.92% | 4.36% |
| Q3 2024 | 5.24% | 1.09% | 4.39% |
| Q4 2024 | 5.25% | 1.31% | 4.25% |
| Q1 2025 | 5.25% | 1.30% | 4.21% |
| Q2 2025 | 5.37% | 1.34% | 4.29% |
| Q3 2025 | 5.52% | 1.35% | 4.44% |
| Q4 2025 | 5.50% | 1.36% | 4.42% |
| Q1 2026 | 5.24% | 1.31% | 4.20% |
| Q2 2026 | 5.38% | 1.28% | 4.35% |
| Q3 2026 | 5.39% | 1.29% | 4.36% |
West Central Georgia 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 West Central Georgia 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 West Central Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21526) · FFIEC NIC profile (RSSD 280138)