Fidelity Bank: 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.
Total interest expense rose 5.2% from Q1 2026 to Q2 2026, ending at $4.8M against $4.6M. It was the largest change among the key lines on this page. Fidelity Bank ranks 59th of 103 Louisiana banks on net interest margin, in the lower half at 4.17% (Q2 2026). Fidelity Bank reported 4.17% on net interest margin for Q2 2026, 0.46 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.0M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $3.7M |
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 |
|---|---|---|---|
| Q3 2023 | 6.23% | 1.49% | 4.86% |
| Q4 2023 | 6.13% | 1.72% | 4.58% |
| Q1 2024 | 5.96% | 1.70% | 4.26% |
| Q2 2024 | 6.09% | 1.89% | 4.20% |
| Q3 2024 | 6.20% | 1.99% | 4.20% |
| Q4 2024 | 6.07% | 1.72% | 4.50% |
| Q1 2025 | 5.93% | 1.68% | 4.50% |
| Q2 2025 | 5.77% | 1.77% | 4.26% |
| Q3 2025 | 6.55% | 1.87% | 4.96% |
| Q4 2025 | 5.87% | 1.88% | 4.27% |
| Q1 2026 | 6.00% | 1.84% | 4.43% |
| Q2 2026 | 5.83% | 1.94% | 4.17% |
Fidelity Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank, 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 Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28316) · FFIEC NIC profile (RSSD 255574)