First National Bank in Deridder: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.24 percentage points to 4.26%. First National Bank in Deridder ranks 53rd of 103 Louisiana banks on net interest margin, in the lower half at 4.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank in Deridder sits 0.31 points higher, at 4.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.11% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 |
|---|---|---|---|
| Q3 2023 | 4.41% | 1.10% | 3.38% |
| Q4 2023 | 4.69% | 1.18% | 3.60% |
| Q1 2024 | 4.69% | 1.23% | 3.54% |
| Q2 2024 | 4.99% | 1.31% | 3.77% |
| Q3 2024 | 5.02% | 1.40% | 3.71% |
| Q4 2024 | 5.02% | 1.38% | 3.75% |
| Q1 2025 | 4.98% | 1.20% | 3.86% |
| Q2 2025 | 5.21% | 1.23% | 4.07% |
| Q3 2025 | 5.25% | 1.26% | 4.10% |
| Q4 2025 | 5.29% | 1.24% | 4.16% |
| Q1 2026 | 5.06% | 1.10% | 4.02% |
| Q2 2026 | 5.28% | 1.11% | 4.26% |
First National Bank in Deridder 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 National Bank in Deridder, 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 National Bank in Deridder profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14427) · FFIEC NIC profile (RSSD 480433)