Feliciana Bank & 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 4.42% against 4.26%. It was the largest change among the key lines on this page. Feliciana Bank & Trust Company ranks 38th of 103 Louisiana banks on net interest margin, in the upper half at 4.42% (Q2 2026). Feliciana Bank & Trust Company 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 | 6.43% |
| Yield on loans | 7.47% |
| Yield on securities | 2.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.19% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.42% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $857K |
| Interest expense on deposits | $745K |
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 | 5.63% | 1.80% | 3.96% | 6.58% | 2.05% |
| Q4 2023 | 5.74% | 2.02% | 3.94% | 6.67% | 2.09% |
| Q1 2024 | 5.90% | 2.12% | 3.95% | 6.83% | 2.12% |
| Q2 2024 | 6.11% | 2.24% | 4.10% | 7.13% | 2.04% |
| Q3 2024 | 6.24% | 2.39% | 4.09% | 7.17% | 2.11% |
| Q4 2024 | 6.35% | 2.48% | 4.11% | 7.34% | 2.10% |
| Q1 2025 | 6.01% | 2.17% | 4.05% | 7.05% | 2.13% |
| Q2 2025 | 6.13% | 2.14% | 4.21% | 7.12% | 2.19% |
| Q3 2025 | 6.48% | 2.30% | 4.41% | 7.66% | 2.22% |
| Q4 2025 | 6.50% | 2.24% | 4.47% | 7.68% | 2.15% |
| Q1 2026 | 6.20% | 2.10% | 4.26% | 7.26% | 2.23% |
| Q2 2026 | 6.43% | 2.19% | 4.42% | 7.47% | 2.33% |
Feliciana Bank & 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 Feliciana Bank & 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 Feliciana Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1380) · FFIEC NIC profile (RSSD 879439)