First Federal Bank of Louisiana: 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 fell 4.2% from Q1 2026 to Q2 2026, ending at $4.5M against $4.7M. It was the largest change among the key lines on this page. On net interest margin, First Federal Bank of Louisiana is 10th from the bottom among 103 Louisiana banks, 2.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Federal Bank of Louisiana sits 0.82 points lower, at 2.89% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.54% |
| Yield on loans | 5.58% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 4.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.89% |
| Yield to cost spread | 2.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $4.3M |
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% | 1.46% | 2.74% | 4.98% | 2.29% |
| Q4 2023 | 4.20% | 1.73% | 2.56% | 5.07% | 2.30% |
| Q1 2024 | 4.30% | 1.84% | 2.54% | 5.19% | 2.38% |
| Q2 2024 | 4.36% | 1.95% | 2.52% | 5.27% | 2.41% |
| Q3 2024 | 4.43% | 2.03% | 2.52% | 5.36% | 2.41% |
| Q4 2024 | 4.42% | 2.02% | 2.52% | 5.35% | 2.45% |
| Q1 2025 | 4.37% | 1.96% | 2.52% | 5.29% | 2.52% |
| Q2 2025 | 4.46% | 1.94% | 2.63% | 5.39% | 2.60% |
| Q3 2025 | 4.56% | 1.96% | 2.72% | 5.50% | 2.66% |
| Q4 2025 | 4.50% | 1.95% | 2.69% | 5.46% | 2.71% |
| Q1 2026 | 4.45% | 1.82% | 2.73% | 5.45% | 2.74% |
| Q2 2026 | 4.54% | 1.73% | 2.89% | 5.58% | 2.80% |
First Federal Bank of Louisiana 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 Federal Bank of Louisiana, 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 Federal Bank of Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30441) · FFIEC NIC profile (RSSD 517674)