Bank of Gueydan: 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 loans fell 0.54 percentage points from Q1 2026 to Q2 2026, ending at 6.76% against 7.30%. It was the largest change among the key lines on this page. Bank of Gueydan ranks 86th of 103 Louisiana banks on net interest margin, in the lower half at 3.43% (Q2 2026). Bank of Gueydan reported 3.43% on net interest margin for Q2 2026, 0.46 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.04% |
| Yield on loans | 6.76% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.76% |
| Cost of interest-bearing deposits | 1.13% |
| Cost of interest-bearing liabilities | 1.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $386K |
| Total interest expense | $102K |
| Interest expense on deposits | $102K |
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 | 2.81% | 0.46% | 2.44% | 7.37% | 1.02% |
| Q4 2023 | 3.70% | 0.64% | 3.19% | 9.63% | 1.07% |
| Q1 2024 | 3.12% | 0.75% | 2.52% | 6.83% | 1.09% |
| Q2 2024 | 3.61% | 0.78% | 2.98% | 7.63% | 1.35% |
| Q3 2024 | 3.35% | 0.81% | 2.68% | 6.16% | 1.51% |
| Q4 2024 | 3.81% | 0.82% | 3.14% | 6.91% | 1.69% |
| Q1 2025 | 3.79% | 0.81% | 3.15% | 6.94% | 1.85% |
| Q2 2025 | 3.92% | 0.82% | 3.24% | 6.86% | 1.94% |
| Q3 2025 | 3.98% | 0.79% | 3.32% | 7.00% | 2.06% |
| Q4 2025 | 4.00% | 0.77% | 3.37% | 6.99% | 2.07% |
| Q1 2026 | 3.83% | 0.75% | 3.25% | 7.30% | 2.14% |
| Q2 2026 | 4.04% | 0.76% | 3.43% | 6.76% | 2.56% |
Bank of Gueydan 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 Gueydan, 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 Gueydan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8144) · FFIEC NIC profile (RSSD 603232)