City Bank & Trust Co.: 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 rose 0.33 percentage points in Q2 2026 to 4.58%, the biggest move on this page. Within Louisiana, City Bank & Trust Co. is 31st of 103 on net interest margin, 4.58% as of Q2 2026, above the middle of the field. City Bank & Trust Co. reported 4.58% on net interest margin for Q2 2026, 0.63 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.70% |
| Yield on loans | 6.92% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.87% |
| Cost of interest-bearing deposits | 1.72% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | 3.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.58% |
| Yield to cost spread | 3.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $982K |
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 | 4.36% | 0.79% | 3.64% | 5.96% | 2.26% |
| Q4 2023 | 4.66% | 0.62% | 3.92% | 6.10% | 2.30% |
| Q1 2024 | 4.71% | 0.76% | 3.99% | 6.21% | 2.23% |
| Q2 2024 | 4.82% | 0.94% | 3.95% | 6.32% | 2.26% |
| Q3 2024 | 5.06% | 1.20% | 3.96% | 6.62% | 2.31% |
| Q4 2024 | 5.14% | 0.92% | 4.29% | 6.52% | 2.37% |
| Q1 2025 | 5.29% | 0.93% | 4.45% | 6.66% | 2.54% |
| Q2 2025 | 5.52% | 1.08% | 4.53% | 6.68% | 2.86% |
| Q3 2025 | 5.55% | 1.20% | 4.49% | 6.98% | 2.99% |
| Q4 2025 | 5.53% | 1.20% | 4.39% | 6.52% | 3.19% |
| Q1 2026 | 5.39% | 1.22% | 4.25% | 6.55% | 3.32% |
| Q2 2026 | 5.70% | 0.87% | 4.58% | 6.92% | 3.49% |
City Bank & Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock City Bank & Trust Co., 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 City Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12608) · FFIEC NIC profile (RSSD 841753)