The Bank of Commerce: 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 earning assets edged up 0.19 percentage points between Q1 2026 and Q2 2026, to 5.05%. Within Louisiana, The Bank of Commerce is 87th of 103 on net interest margin, 3.42% as of Q2 2026, below the middle of the field. The Bank of Commerce reported 3.42% on net interest margin for Q2 2026, 0.47 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | 6.74% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $618K |
| Total interest expense | $333K |
| Interest expense on deposits | $333K |
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 | 5.21% | 1.57% | 3.77% | 6.89% | 1.88% |
| Q4 2023 | 5.06% | 1.68% | 3.51% | 6.55% | 1.99% |
| Q1 2024 | 5.07% | 1.65% | 3.52% | 6.63% | 2.61% |
| Q2 2024 | 5.34% | 1.90% | 3.51% | 7.03% | 2.58% |
| Q3 2024 | 5.46% | 2.07% | 3.54% | 7.21% | 2.59% |
| Q4 2024 | 5.28% | 2.00% | 3.43% | 7.00% | 2.73% |
| Q1 2025 | 5.10% | 1.60% | 3.54% | 6.85% | 3.14% |
| Q2 2025 | 5.46% | 1.80% | 3.73% | 6.86% | 3.48% |
| Q3 2025 | 5.57% | 1.90% | 3.77% | 6.92% | 3.50% |
| Q4 2025 | 5.43% | 1.79% | 3.74% | 6.96% | 3.53% |
| Q1 2026 | 4.86% | 1.56% | 3.41% | 6.65% | 3.53% |
| Q2 2026 | 5.05% | 1.71% | 3.42% | 6.74% | 3.59% |
The Bank of Commerce yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Commerce, 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 The Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1374) · FFIEC NIC profile (RSSD 103134)