Concordia 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.15 percentage points to 3.60%. Within Louisiana, Concordia Bank & Trust Company is 82nd of 103 on net interest margin, 3.60% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Concordia Bank & Trust Company sits 0.35 points lower, at 3.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.3M |
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 | 4.50% | 1.71% | 2.85% |
| Q4 2023 | 4.58% | 1.82% | 2.83% |
| Q1 2024 | 4.57% | 1.73% | 2.93% |
| Q2 2024 | 4.80% | 1.91% | 2.98% |
| Q3 2024 | 4.94% | 1.92% | 3.13% |
| Q4 2024 | 5.00% | 1.85% | 3.25% |
| Q1 2025 | 4.87% | 1.68% | 3.29% |
| Q2 2025 | 5.05% | 1.66% | 3.47% |
| Q3 2025 | 5.11% | 1.68% | 3.52% |
| Q4 2025 | 5.09% | 1.67% | 3.51% |
| Q1 2026 | 5.02% | 1.65% | 3.45% |
| Q2 2026 | 5.14% | 1.62% | 3.60% |
Concordia 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 Concordia 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 Concordia Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8527) · FFIEC NIC profile (RSSD 819556)