Bank of Erath: 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.
Yield on securities rose 0.38 percentage points from Q1 2026 to Q2 2026, ending at 3.07% against 2.69%. It was the largest change among the key lines on this page. Bank of Erath ranks 62nd of 103 Louisiana banks on net interest margin, in the lower half at 4.13% (Q2 2026). Bank of Erath reported 4.13% on net interest margin for Q2 2026, 0.18 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | 7.48% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.08% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $805K |
| Total interest expense | $249K |
| Interest expense on deposits | $249K |
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 | 4.80% | 0.85% | 4.02% | 6.60% | 1.66% |
| Q4 2023 | 4.95% | 1.19% | 3.86% | 6.84% | 1.68% |
| Q1 2024 | 5.06% | 1.28% | 3.90% | 7.02% | 1.83% |
| Q2 2024 | 4.77% | 1.19% | 3.63% | 6.34% | 2.06% |
| Q3 2024 | 5.12% | 1.21% | 3.99% | 6.92% | 2.04% |
| Q4 2024 | 5.25% | 1.37% | 4.01% | 7.27% | 1.91% |
| Q1 2025 | 4.99% | 1.23% | 3.86% | 6.87% | 2.08% |
| Q2 2025 | 5.25% | 1.06% | 4.29% | 7.15% | 2.20% |
| Q3 2025 | 5.40% | 1.07% | 4.42% | 7.36% | 2.20% |
| Q4 2025 | 5.96% | 1.07% | 4.96% | 8.49% | 2.46% |
| Q1 2026 | 5.13% | 1.05% | 4.14% | 7.45% | 2.69% |
| Q2 2026 | 5.10% | 1.08% | 4.13% | 7.48% | 3.07% |
Bank of Erath 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 Erath, 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 Erath profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8532) · FFIEC NIC profile (RSSD 399731)