Bank of Winnfield & 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.23 percentage points to 4.08%. Within Louisiana, Bank of Winnfield & Trust Company is 66th of 103 on net interest margin, 4.08% as of Q2 2026, below the middle of the field. Bank of Winnfield & Trust Company reported 4.08% on net interest margin for Q2 2026, 0.13 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 6.61% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.71% |
| Cost of interest-bearing deposits | 1.10% |
| Cost of interest-bearing liabilities | 1.10% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $922K |
| Total interest expense | $245K |
| Interest expense on deposits | $245K |
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 | 4.11% | 0.68% | 3.40% | 5.76% | 2.79% |
| Q4 2023 | 4.20% | 0.77% | 3.42% | 5.89% | 2.89% |
| Q1 2024 | 4.17% | 0.71% | 3.46% | 5.85% | 2.80% |
| Q2 2024 | 4.23% | 0.63% | 3.60% | 5.91% | 2.88% |
| Q3 2024 | 4.39% | 0.61% | 3.76% | 6.12% | 2.96% |
| Q4 2024 | 4.36% | 0.67% | 3.69% | 6.12% | 2.97% |
| Q1 2025 | 4.38% | 0.66% | 3.71% | 6.09% | 3.07% |
| Q2 2025 | 4.53% | 0.66% | 3.86% | 6.28% | 3.20% |
| Q3 2025 | 4.72% | 0.70% | 4.01% | 6.44% | 3.21% |
| Q4 2025 | 4.61% | 0.75% | 3.89% | 6.53% | 3.18% |
| Q1 2026 | 4.55% | 0.72% | 3.85% | 6.46% | 3.24% |
| Q2 2026 | 4.77% | 0.71% | 4.08% | 6.61% | 3.45% |
Bank of Winnfield & 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 Winnfield & 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 Winnfield & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9323) · FFIEC NIC profile (RSSD 625953)