Bank of Commerce & 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 2.23% to 2.34%, the largest move among the key lines here. On net interest margin, Bank of Commerce & Trust Company is 4th from the bottom among 103 Louisiana banks, 2.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Commerce & Trust Company sits 1.61 points lower, at 2.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.17% |
| Yield on loans | 6.78% |
| Yield on securities | 1.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.67% |
| Cost of interest-bearing deposits | 1.52% |
| Cost of interest-bearing liabilities | 1.46% |
| Cost of borrowings | 0.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.34% |
| Yield to cost spread | 1.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $772K |
| Interest expense on deposits | $768K |
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 | 2.32% | 0.60% | 1.58% | 6.32% | 1.05% |
| Q4 2023 | 2.59% | 0.59% | 1.86% | 6.58% | 1.08% |
| Q1 2024 | 2.70% | 0.50% | 2.08% | 6.59% | 1.17% |
| Q2 2024 | 2.75% | 0.53% | 2.11% | 6.74% | 1.14% |
| Q3 2024 | 2.80% | 0.62% | 2.06% | 6.94% | 1.16% |
| Q4 2024 | 2.75% | 0.64% | 1.98% | 6.82% | 1.15% |
| Q1 2025 | 2.81% | 0.57% | 2.11% | 6.66% | 1.29% |
| Q2 2025 | 2.93% | 0.62% | 2.18% | 6.89% | 1.28% |
| Q3 2025 | 3.05% | 0.79% | 2.09% | 6.99% | 1.39% |
| Q4 2025 | 3.20% | 0.79% | 2.26% | 6.92% | 1.48% |
| Q1 2026 | 3.09% | 0.70% | 2.23% | 6.76% | 1.47% |
| Q2 2026 | 3.17% | 0.67% | 2.34% | 6.78% | 1.58% |
Bank of Commerce & 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 Commerce & 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 Commerce & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10523) · FFIEC NIC profile (RSSD 476539)