Currency 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.
Net interest margin rose 0.33 percentage points from Q1 2026 to Q2 2026, ending at 4.71% against 4.38%. It was the largest change among the key lines on this page. Within Louisiana, Currency Bank is 18th of 102 on net interest margin, 4.71% as of Q2 2026. Currency Bank reported 4.71% on net interest margin for Q2 2026, 0.77 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.57% |
| Yield on loans | 7.24% |
| Yield on securities | 4.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 4.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.71% |
| Yield to cost spread | 3.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.70% | 2.26% | 3.78% | 6.11% | 3.00% |
| Q4 2023 | 5.86% | 2.34% | 3.86% | 6.30% | 3.39% |
| Q1 2024 | 6.20% | 2.58% | 4.12% | 6.87% | 3.92% |
| Q2 2024 | 6.19% | 2.58% | 4.00% | 6.68% | 4.31% |
| Q3 2024 | 6.36% | 2.63% | 4.14% | 7.00% | 4.29% |
| Q4 2024 | 6.17% | 2.71% | 3.83% | 6.96% | 4.13% |
| Q1 2025 | 6.08% | 2.65% | 3.86% | 6.87% | 4.18% |
| Q2 2025 | 6.35% | 2.25% | 4.22% | 7.25% | 4.30% |
| Q3 2025 | 6.34% | 2.23% | 4.13% | 6.99% | 4.14% |
| Q4 2025 | 6.31% | 2.18% | 4.28% | 7.06% | 4.37% |
| Q1 2026 | 6.25% | 2.08% | 4.38% | 7.14% | 4.41% |
| Q2 2026 | 6.57% | 2.08% | 4.71% | 7.24% | 4.59% |
Currency 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 Currency 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 Currency Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35019) · FFIEC NIC profile (RSSD 2807173)