First National 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 climbed 9.4% in Q2 2026, from $1.8M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, First National Bank of Louisiana is 34th of 103 on net interest margin, 4.46% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank of Louisiana sits 0.51 points higher, at 4.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | 6.57% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.46% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.4M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 5.07% | 0.66% | 4.23% | 5.82% | 2.43% |
| Q4 2023 | 5.26% | 0.91% | 4.12% | 6.01% | 2.48% |
| Q1 2024 | 5.31% | 0.99% | 4.09% | 6.07% | 2.54% |
| Q2 2024 | 5.50% | 1.10% | 4.17% | 6.29% | 2.61% |
| Q3 2024 | 5.70% | 1.14% | 4.30% | 6.49% | 2.68% |
| Q4 2024 | 5.63% | 1.10% | 4.27% | 6.44% | 2.74% |
| Q1 2025 | 5.55% | 1.06% | 4.23% | 6.32% | 2.82% |
| Q2 2025 | 5.72% | 1.04% | 4.43% | 6.55% | 2.92% |
| Q3 2025 | 5.85% | 1.08% | 4.51% | 6.65% | 3.10% |
| Q4 2025 | 5.78% | 1.12% | 4.43% | 6.63% | 3.19% |
| Q1 2026 | 5.71% | 1.07% | 4.42% | 6.49% | 3.25% |
| Q2 2026 | 5.77% | 1.09% | 4.46% | 6.57% | 3.48% |
First National 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 National 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 National Bank of Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4288) · FFIEC NIC profile (RSSD 575834)