Bank of Abbeville & Trust Company: 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 0.23 percentage points to 3.72%. Bank of Abbeville & Trust Company ranks 77th of 103 Louisiana banks on net interest margin, in the lower half at 3.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Abbeville & Trust Company sits 0.23 points lower, at 3.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | 6.46% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 6.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 2.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $750K |
| Interest expense on deposits | $743K |
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 | 4.27% | 0.67% | 3.68% | 5.30% | 2.36% |
| Q4 2023 | 4.40% | 0.80% | 3.70% | 5.45% | 2.38% |
| Q1 2024 | 4.46% | 0.93% | 3.62% | 5.52% | 2.43% |
| Q2 2024 | 4.66% | 1.02% | 3.73% | 5.67% | 2.45% |
| Q3 2024 | 4.78% | 1.14% | 3.74% | 5.92% | 2.43% |
| Q4 2024 | 4.85% | 1.21% | 3.75% | 6.02% | 2.44% |
| Q1 2025 | 4.71% | 1.28% | 3.52% | 5.96% | 2.47% |
| Q2 2025 | 4.98% | 1.43% | 3.67% | 6.30% | 2.52% |
| Q3 2025 | 4.92% | 1.48% | 3.58% | 6.37% | 2.58% |
| Q4 2025 | 4.95% | 1.43% | 3.62% | 6.45% | 2.69% |
| Q1 2026 | 4.75% | 1.36% | 3.49% | 6.34% | 2.82% |
| Q2 2026 | 5.03% | 1.40% | 3.72% | 6.46% | 2.89% |
Bank of Abbeville & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Abbeville & Trust Company, 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 Bank of Abbeville & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11782) · FFIEC NIC profile (RSSD 213538)