Eagle Bank and 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.
Compared with Q1 2026, Yield on loans fell 0.36 percentage points in Q2 2026 to 7.54%, the biggest move on this page. Within Arkansas, Eagle Bank and Trust Company is 47th of 78 on net interest margin, 3.95% 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; Eagle Bank and Trust Company reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 7.54% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 4.53% | 1.45% | 3.18% | 6.68% | 3.18% |
| Q4 2023 | 4.46% | 1.54% | 2.98% | 6.73% | 2.91% |
| Q1 2024 | 4.71% | 1.65% | 3.14% | 6.73% | 3.33% |
| Q2 2024 | 4.64% | 1.71% | 3.14% | 6.98% | 3.04% |
| Q3 2024 | 4.97% | 1.81% | 3.29% | 7.09% | 3.33% |
| Q4 2024 | 4.99% | 1.75% | 3.37% | 7.15% | 3.33% |
| Q1 2025 | 4.90% | 1.68% | 3.32% | 7.01% | 3.32% |
| Q2 2025 | 5.29% | 1.68% | 3.73% | 7.41% | 3.62% |
| Q3 2025 | 5.30% | 1.69% | 3.75% | 7.45% | 3.48% |
| Q4 2025 | 5.51% | 1.73% | 3.87% | 7.59% | 3.63% |
| Q1 2026 | 5.62% | 1.67% | 4.04% | 7.90% | 3.63% |
| Q2 2026 | 5.54% | 1.70% | 3.95% | 7.54% | 3.72% |
Eagle Bank and 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 Eagle Bank and 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 Eagle Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3873) · FFIEC NIC profile (RSSD 453446)