Eureka Homestead: 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 fell 0.34 percentage points in Q2 2026 to 1.26%, the biggest move on this page. Eureka Homestead has the 1st lowest net interest margin of the 103 banks headquartered in Louisiana, at 1.26% as of Q2 2026. Eureka Homestead's net interest margin of 1.26% is well below the 3.89% median for banks in the < $100M asset tier, a gap of 2.62 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.11% |
| Yield on loans | 4.17% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.45% |
| Cost of interest-bearing deposits | 3.44% |
| Cost of interest-bearing liabilities | 3.23% |
| Cost of borrowings | 3.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.26% |
| Yield to cost spread | 0.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $776K |
| Total interest expense | $569K |
| Interest expense on deposits | $511K |
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 | 4.12% | 2.05% | 2.36% | 4.02% | 3.95% |
| Q4 2023 | 4.24% | 2.17% | 2.37% | 4.13% | 4.06% |
| Q1 2024 | 4.29% | 2.32% | 2.28% | 4.18% | 3.96% |
| Q2 2024 | 4.27% | 2.51% | 2.08% | 4.17% | 4.01% |
| Q3 2024 | 4.28% | 2.69% | 1.98% | 4.23% | 3.90% |
| Q4 2024 | 3.99% | 2.69% | 1.67% | 3.93% | 3.98% |
| Q1 2025 | 4.14% | 2.69% | 1.81% | 4.11% | 3.55% |
| Q2 2025 | 4.21% | 2.87% | 1.79% | 4.18% | 3.53% |
| Q3 2025 | 4.26% | 3.02% | 1.69% | 4.28% | 3.39% |
| Q4 2025 | 4.24% | 3.17% | 1.63% | 4.28% | 3.23% |
| Q1 2026 | 4.28% | 3.25% | 1.60% | 4.34% | 2.97% |
| Q2 2026 | 4.11% | 3.45% | 1.26% | 4.17% | 2.79% |
Eureka Homestead yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Eureka Homestead, 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 Eureka Homestead profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29268) · FFIEC NIC profile (RSSD 794475)