Delta 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 Cost of borrowings: 3.34 percentage points higher than in Q1 2026, at 3.34%. Delta Bank ranks 38th of 103 Louisiana banks on net interest margin, in the upper half at 4.42% (Q2 2026). Delta Bank reported 4.42% on net interest margin for Q2 2026, 0.47 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 3.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.42% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.9M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 5.32% | 1.96% | 3.45% |
| Q4 2023 | 5.39% | 1.80% | 3.74% |
| Q1 2024 | 5.71% | 1.97% | 3.90% |
| Q2 2024 | 5.86% | 2.34% | 3.75% |
| Q3 2024 | 6.08% | 2.16% | 3.75% |
| Q4 2024 | 5.96% | 2.16% | 3.93% |
| Q1 2025 | 5.95% | 1.98% | 4.10% |
| Q2 2025 | 6.19% | 2.09% | 4.23% |
| Q3 2025 | 6.12% | 2.21% | 4.05% |
| Q4 2025 | 6.12% | 1.98% | 4.29% |
| Q1 2026 | 6.06% | 1.81% | 4.37% |
| Q2 2026 | 6.14% | 1.86% | 4.42% |
Delta 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 Delta 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 Delta Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26564) · FFIEC NIC profile (RSSD 975256)