The Cottonport 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 rose 0.17 percentage points in Q2 2026 to 4.41%, the biggest move on this page. The Cottonport Bank ranks 40th of 103 Louisiana banks on net interest margin, in the upper half at 4.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Cottonport Bank sits 0.46 points higher, at 4.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 7.19% |
| Yield on securities | 3.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.99% | 1.05% | 3.99% | 5.97% | 1.92% |
| Q4 2023 | 5.34% | 1.26% | 4.15% | 6.44% | 1.95% |
| Q1 2024 | 5.30% | 1.38% | 4.01% | 6.42% | 1.91% |
| Q2 2024 | 5.52% | 1.59% | 4.05% | 6.69% | 2.09% |
| Q3 2024 | 5.69% | 1.73% | 4.06% | 6.92% | 2.09% |
| Q4 2024 | 5.69% | 1.79% | 4.04% | 7.07% | 2.15% |
| Q1 2025 | 5.66% | 1.68% | 4.09% | 7.11% | 2.46% |
| Q2 2025 | 5.67% | 1.58% | 4.20% | 7.05% | 2.73% |
| Q3 2025 | 5.99% | 1.57% | 4.55% | 7.46% | 2.74% |
| Q4 2025 | 5.77% | 1.57% | 4.34% | 7.13% | 2.87% |
| Q1 2026 | 5.65% | 1.54% | 4.24% | 6.90% | 3.25% |
| Q2 2026 | 5.84% | 1.58% | 4.41% | 7.19% | 3.44% |
The Cottonport 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 The Cottonport 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 The Cottonport Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8798) · FFIEC NIC profile (RSSD 473930)