Caldwell Bank & 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.
Total interest expense climbed 15.3% in Q2 2026, from $1.6M to $1.9M. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Caldwell Bank & Trust Company is 49th of 103 on net interest margin, 4.28% as of Q2 2026, above the middle of the field. Caldwell Bank & Trust Company reported 4.28% on net interest margin for Q2 2026, 0.33 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.10% |
| Yield on loans | 8.05% |
| Yield on securities | 4.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.91% |
| Cost of interest-bearing deposits | 3.15% |
| Cost of interest-bearing liabilities | 3.42% |
| Cost of borrowings | 1944.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.28% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.7M |
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 | 6.67% | 2.94% | 4.06% | 7.48% | 3.96% |
| Q4 2023 | 6.54% | 2.70% | 3.97% | 7.28% | 4.17% |
| Q1 2024 | 7.06% | 2.70% | 4.47% | 7.66% | 4.21% |
| Q2 2024 | 7.46% | 3.11% | 4.66% | 8.40% | 3.61% |
| Q3 2024 | 8.07% | 3.47% | 4.57% | 8.72% | 4.39% |
| Q4 2024 | 7.55% | 3.14% | 4.43% | 8.16% | 4.07% |
| Q1 2025 | 7.54% | 2.80% | 4.79% | 8.30% | 4.06% |
| Q2 2025 | 7.49% | 2.90% | 4.64% | 7.95% | 4.22% |
| Q3 2025 | 7.68% | 3.02% | 4.71% | 7.95% | 4.23% |
| Q4 2025 | 7.31% | 2.78% | 4.56% | 8.09% | 4.11% |
| Q1 2026 | 6.82% | 2.56% | 4.34% | 7.87% | 4.15% |
| Q2 2026 | 7.10% | 2.91% | 4.28% | 8.05% | 4.14% |
Caldwell Bank & 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 Caldwell Bank & 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 Caldwell Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11785) · FFIEC NIC profile (RSSD 925354)