Crescent 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.
The standout move of Q2 2026 was in Yield on loans: 8.85 percentage points lower than in Q1 2026, at 6.63%. On net interest margin, Crescent Bank is 2nd from the bottom among 103 Louisiana banks, 2.15% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Crescent Bank sits 1.56 points lower, at 2.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.82% |
| Cost of interest-bearing deposits | 3.84% |
| Cost of interest-bearing liabilities | 3.84% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.15% |
| Yield to cost spread | 1.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $8.1M |
| Interest expense on deposits | $8.1M |
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 | 15.17% | 3.66% | 12.01% |
| Q4 2023 | 15.36% | 3.92% | 11.96% |
| Q1 2024 | 15.47% | 4.05% | 11.95% |
| Q2 2024 | 16.17% | 4.14% | 12.61% |
| Q3 2024 | 16.12% | 4.22% | 12.50% |
| Q4 2024 | 15.99% | 4.13% | 12.44% |
| Q1 2025 | 15.70% | 3.93% | 12.35% |
| Q2 2025 | 16.30% | 3.94% | 12.97% |
| Q3 2025 | 15.37% | 3.90% | 12.06% |
| Q4 2025 | 14.14% | 3.83% | 10.91% |
| Q1 2026 | 9.75% | 3.73% | 6.49% |
| Q2 2026 | 5.36% | 3.82% | 2.15% |
Crescent 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 Crescent 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 Crescent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33492) · FFIEC NIC profile (RSSD 1885932)