First American Bank and Trust: 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.84%, the biggest move on this page. First American Bank and Trust ranks 74th of 103 Louisiana banks on net interest margin, in the lower half at 3.84% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First American Bank and Trust sits 0.13 points higher, at 3.84% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 6.06% |
| Yield on securities | 2.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.9M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $3.0M |
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 | 4.13% | 1.14% | 2.81% | 5.49% | 2.03% |
| Q4 2023 | 4.22% | 1.30% | 2.72% | 5.58% | 2.04% |
| Q1 2024 | 4.30% | 1.38% | 2.71% | 5.60% | 2.05% |
| Q2 2024 | 4.39% | 1.23% | 2.99% | 5.64% | 2.10% |
| Q3 2024 | 4.48% | 1.21% | 3.08% | 5.75% | 2.11% |
| Q4 2024 | 4.52% | 1.09% | 3.26% | 5.82% | 2.10% |
| Q1 2025 | 4.45% | 0.97% | 3.33% | 5.71% | 2.15% |
| Q2 2025 | 4.59% | 0.90% | 3.54% | 5.87% | 2.20% |
| Q3 2025 | 4.83% | 0.89% | 3.80% | 6.18% | 2.22% |
| Q4 2025 | 4.80% | 0.85% | 3.83% | 6.15% | 2.17% |
| Q1 2026 | 4.58% | 1.02% | 3.69% | 5.87% | 2.15% |
| Q2 2026 | 4.73% | 1.01% | 3.84% | 6.06% | 2.23% |
First American Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank and Trust, 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 First American Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8149) · FFIEC NIC profile (RSSD 101037)