Beauregard Federal Savings 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.
Compared with Q1 2026, Net interest margin fell 0.22 percentage points in Q2 2026 to 4.74%, the biggest move on this page. Within Louisiana, Beauregard Federal Savings Bank is 16th of 103 on net interest margin, 4.74% as of Q2 2026, above the middle of the field. Beauregard Federal Savings Bank reported 4.74% on net interest margin for Q2 2026, 0.79 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.90% |
| Yield on loans | 7.53% |
| Yield on securities | 5.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.74% |
| Yield to cost spread | 4.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $533K |
| Interest expense on deposits | $439K |
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 | 8.14% | 1.40% | 6.85% | 9.08% | 10.78% |
| Q4 2023 | 26.05% | 1.63% | 21.26% | 28.99% | 29.87% |
| Q1 2024 | 6.73% | 1.73% | 4.93% | 7.52% | 7.53% |
| Q2 2024 | 6.80% | 1.89% | 4.99% | 7.60% | 5.03% |
| Q3 2024 | 7.06% | 2.24% | 4.99% | 8.00% | 5.60% |
| Q4 2024 | 7.18% | 2.14% | 5.22% | 8.09% | 4.98% |
| Q1 2025 | 6.47% | 1.89% | 4.65% | 7.24% | 5.60% |
| Q2 2025 | 6.85% | 2.17% | 4.88% | 7.73% | 4.33% |
| Q3 2025 | 6.66% | 2.52% | 4.47% | 7.52% | 5.07% |
| Q4 2025 | 7.39% | 2.44% | 5.28% | 8.07% | 6.26% |
| Q1 2026 | 7.10% | 2.41% | 4.96% | 7.93% | 5.24% |
| Q2 2026 | 6.90% | 2.36% | 4.74% | 7.53% | 5.11% |
Beauregard Federal Savings 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 Beauregard Federal Savings 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 Beauregard Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30339) · FFIEC NIC profile (RSSD 123374)