Exchange 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 Yield on securities, which rose 0.28 percentage points to 3.05%. Within Louisiana, Exchange Bank and Trust Company is 57th of 103 on net interest margin, 4.19% 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. Exchange Bank and Trust Company sits 0.24 points higher, at 4.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.92% |
| Yield on loans | 6.94% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.80% |
| Cost of interest-bearing deposits | 1.08% |
| Cost of interest-bearing liabilities | 1.08% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $397K |
| Interest expense on deposits | $397K |
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 | 3.93% | 0.58% | 3.37% | 6.15% | 2.05% |
| Q4 2023 | 4.17% | 0.74% | 3.48% | 6.23% | 2.26% |
| Q1 2024 | 4.43% | 0.31% | 4.12% | 6.32% | 2.13% |
| Q2 2024 | 4.56% | 0.27% | 4.31% | 6.46% | 2.07% |
| Q3 2024 | 4.70% | 0.26% | 4.46% | 6.75% | 2.05% |
| Q4 2024 | 4.73% | 0.27% | 4.47% | 6.73% | 2.06% |
| Q1 2025 | 4.69% | 0.69% | 4.04% | 6.68% | 2.09% |
| Q2 2025 | 4.93% | 0.63% | 4.34% | 7.01% | 2.59% |
| Q3 2025 | 5.00% | 0.52% | 4.52% | 7.02% | 2.63% |
| Q4 2025 | 4.99% | 0.40% | 4.62% | 6.93% | 2.61% |
| Q1 2026 | 4.80% | 0.72% | 4.13% | 6.79% | 2.77% |
| Q2 2026 | 4.92% | 0.80% | 4.19% | 6.94% | 3.05% |
Exchange 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 Exchange 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 Exchange Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10528) · FFIEC NIC profile (RSSD 985451)