The Bank: 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 Total interest expense, which rose 5.3% to $2.0M. Among 103 Louisiana banks, The Bank sits 6th from the top on net interest margin, 5.31% as of Q2 2026. The Bank reported 5.31% on net interest margin for Q2 2026, 1.36 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.17% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 2.83% |
| Cost of borrowings | 0.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.31% |
| Yield to cost spread | 4.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 |
|---|---|---|---|
| Q3 2023 | 6.37% | 2.39% | 4.23% |
| Q4 2023 | 6.52% | 2.27% | 4.45% |
| Q1 2024 | 6.65% | 2.38% | 4.53% |
| Q2 2024 | 6.87% | 2.38% | 4.79% |
| Q3 2024 | 7.03% | 2.38% | 4.93% |
| Q4 2024 | 7.06% | 2.34% | 4.96% |
| Q1 2025 | 6.97% | 2.26% | 4.90% |
| Q2 2025 | 7.01% | 2.25% | 4.98% |
| Q3 2025 | 7.28% | 2.23% | 5.27% |
| Q4 2025 | 7.28% | 2.24% | 5.28% |
| Q1 2026 | 7.16% | 2.05% | 5.31% |
| Q2 2026 | 7.17% | 2.09% | 5.31% |
The Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34409) · FFIEC NIC profile (RSSD 2505460)