b1BANK: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.15 percentage points to 3.81%. Within Louisiana, b1BANK is 74th of 102 on net interest margin, 3.81% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; b1BANK reported 3.81% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 6.62% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 2.86% |
| Cost of interest-bearing liabilities | 2.99% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $111.8M |
| Total interest expense | $45.9M |
| Interest expense on deposits | $41.3M |
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 | 6.03% | 2.33% | 3.86% | 6.88% | 1.98% |
| Q4 2023 | 6.09% | 2.51% | 3.76% | 6.92% | 2.06% |
| Q1 2024 | 6.04% | 2.34% | 3.33% | 6.82% | 2.25% |
| Q2 2024 | 6.25% | 2.38% | 3.47% | 7.03% | 2.39% |
| Q3 2024 | 6.37% | 2.42% | 3.57% | 7.15% | 2.54% |
| Q4 2024 | 6.36% | 2.92% | 3.68% | 7.08% | 2.71% |
| Q1 2025 | 6.20% | 2.71% | 3.68% | 6.90% | 2.72% |
| Q2 2025 | 6.25% | 2.71% | 3.73% | 6.94% | 2.81% |
| Q3 2025 | 6.34% | 2.77% | 3.79% | 7.07% | 3.13% |
| Q4 2025 | 6.21% | 2.62% | 3.81% | 6.94% | 3.14% |
| Q1 2026 | 5.84% | 2.40% | 3.66% | 6.53% | 3.09% |
| Q2 2026 | 5.99% | 2.36% | 3.81% | 6.62% | 3.34% |
b1BANK yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock b1BANK, 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 b1BANK profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58228) · FFIEC NIC profile (RSSD 3408728)