The Bank of Lafayette: 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 Cost of borrowings, which fell 0.48 percentage points to 3.36%. The Bank of Lafayette has the 3rd lowest net interest margin of the 121 banks headquartered in Georgia, at 2.50% as of Q2 2026. The Bank of Lafayette reported 2.50% on net interest margin for Q2 2026, 1.45 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.37% |
| Yield on loans | 7.35% |
| Yield on securities | 2.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 3.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.50% |
| Yield to cost spread | 2.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $1.9M |
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 | 3.65% | 1.58% | 2.20% | 6.55% | 1.94% |
| Q4 2023 | 3.71% | 2.69% | 1.22% | 6.68% | 1.89% |
| Q1 2024 | 3.94% | 1.78% | 2.30% | 6.88% | 2.06% |
| Q2 2024 | 4.06% | 1.97% | 2.23% | 6.97% | 2.16% |
| Q3 2024 | 4.06% | 1.86% | 2.37% | 7.05% | 2.06% |
| Q4 2024 | 4.13% | 1.89% | 2.38% | 7.29% | 1.98% |
| Q1 2025 | 4.03% | 1.67% | 2.50% | 7.08% | 2.13% |
| Q2 2025 | 4.16% | 1.58% | 2.70% | 7.27% | 2.12% |
| Q3 2025 | 4.23% | 1.58% | 2.78% | 7.41% | 2.15% |
| Q4 2025 | 4.20% | 1.61% | 2.71% | 7.40% | 2.15% |
| Q1 2026 | 4.21% | 2.02% | 2.35% | 7.14% | 2.38% |
| Q2 2026 | 4.37% | 2.02% | 2.50% | 7.35% | 2.41% |
The Bank of Lafayette 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 Lafayette, 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 Lafayette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9245) · FFIEC NIC profile (RSSD 944739)