Catalyst 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, Total interest expense fell 3.1% in Q2 2026 to $993K, the biggest move on this page. Within Louisiana, Catalyst Bank is 69th of 102 on net interest margin, 3.89% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Catalyst Bank reported 3.89% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 6.57% |
| Yield on securities | 3.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $993K |
| Interest expense on deposits | $919K |
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 | 4.07% | 1.09% | 3.24% | 5.49% | 1.68% |
| Q4 2023 | 4.33% | 1.43% | 3.25% | 5.87% | 1.71% |
| Q1 2024 | 4.79% | 2.03% | 3.19% | 6.13% | 1.75% |
| Q2 2024 | 5.34% | 2.11% | 3.68% | 6.34% | 1.82% |
| Q3 2024 | 5.68% | 2.24% | 3.91% | 6.73% | 2.11% |
| Q4 2024 | 5.65% | 2.16% | 3.97% | 6.73% | 2.32% |
| Q1 2025 | 5.54% | 2.14% | 3.87% | 6.59% | 2.38% |
| Q2 2025 | 5.63% | 2.08% | 4.01% | 6.66% | 2.56% |
| Q3 2025 | 5.63% | 2.16% | 3.92% | 6.74% | 2.69% |
| Q4 2025 | 5.61% | 2.08% | 3.96% | 6.73% | 3.21% |
| Q1 2026 | 5.34% | 1.92% | 3.80% | 6.52% | 3.20% |
| Q2 2026 | 5.39% | 1.87% | 3.89% | 6.57% | 3.39% |
Catalyst 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 Catalyst 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 Catalyst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29804) · FFIEC NIC profile (RSSD 420578)