Fifth District Savings 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.77%. On net interest margin, Fifth District Savings Bank is 8th from the bottom among 103 Louisiana banks, 2.77% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Fifth District Savings Bank sits 1.18 points lower, at 2.77% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.32% |
| Yield on loans | 4.45% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.77% |
| Yield to cost spread | 2.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 | 3.65% | 1.83% | 2.06% | 3.96% | 2.11% |
| Q4 2023 | 3.62% | 2.02% | 1.91% | 3.90% | 2.13% |
| Q1 2024 | 3.63% | 2.25% | 1.73% | 3.89% | 2.11% |
| Q2 2024 | 3.87% | 2.32% | 1.89% | 3.98% | 2.87% |
| Q3 2024 | 4.05% | 2.17% | 2.25% | 4.05% | 3.48% |
| Q4 2024 | 3.99% | 2.21% | 2.21% | 4.07% | 3.54% |
| Q1 2025 | 4.01% | 2.16% | 2.26% | 4.15% | 3.53% |
| Q2 2025 | 4.17% | 2.19% | 2.39% | 4.27% | 3.83% |
| Q3 2025 | 4.29% | 2.20% | 2.51% | 4.36% | 4.11% |
| Q4 2025 | 4.25% | 2.12% | 2.56% | 4.38% | 3.97% |
| Q1 2026 | 4.24% | 2.00% | 2.66% | 4.37% | 4.01% |
| Q2 2026 | 4.32% | 1.98% | 2.77% | 4.45% | 4.00% |
Fifth District Savings 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 Fifth District Savings 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 Fifth District Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27697) · FFIEC NIC profile (RSSD 837970)