The Evangeline 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.17 percentage points to 4.45%. Within Louisiana, The Evangeline Bank and Trust Company is 35th of 103 on net interest margin, 4.45% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Evangeline Bank and Trust Company sits 0.74 points higher, at 4.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.48% |
| Yield on loans | 6.97% |
| Yield on securities | 4.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 3.04% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.45% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.1M |
| Total interest expense | $5.5M |
| Interest expense on deposits | $5.0M |
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 | 5.95% | 1.96% | 4.20% | 6.15% | 2.78% |
| Q4 2023 | 6.14% | 2.16% | 4.21% | 6.35% | 2.95% |
| Q1 2024 | 6.18% | 2.33% | 4.10% | 6.41% | 3.24% |
| Q2 2024 | 6.34% | 2.50% | 4.13% | 6.58% | 3.33% |
| Q3 2024 | 6.53% | 2.66% | 4.17% | 6.76% | 3.46% |
| Q4 2024 | 6.48% | 2.67% | 4.12% | 6.78% | 3.57% |
| Q1 2025 | 6.32% | 2.59% | 4.01% | 6.71% | 3.93% |
| Q2 2025 | 6.44% | 2.57% | 4.17% | 6.80% | 4.14% |
| Q3 2025 | 6.59% | 2.56% | 4.34% | 6.96% | 4.18% |
| Q4 2025 | 6.50% | 2.52% | 4.27% | 6.98% | 4.19% |
| Q1 2026 | 6.36% | 2.35% | 4.28% | 6.86% | 4.11% |
| Q2 2026 | 6.48% | 2.32% | 4.45% | 6.97% | 4.14% |
The Evangeline 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 The Evangeline 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 The Evangeline Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12611) · FFIEC NIC profile (RSSD 372538)