Franklin State Bank & Trust Company: 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.
Yield on loans dropped 1.08 percentage points in Q2 2026, from 8.76% to 7.69%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Franklin State Bank & Trust Company is 42nd of 103 on net interest margin, 4.39% 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. Franklin State Bank & Trust Company sits 0.44 points higher, at 4.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.97% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $867K |
| Interest expense on deposits | $867K |
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 | 5.79% | 1.22% | 4.64% |
| Q4 2023 | 5.66% | 1.42% | 4.37% |
| Q1 2024 | 6.77% | 1.61% | 5.25% |
| Q2 2024 | 6.35% | 1.84% | 4.62% |
| Q3 2024 | 6.44% | 1.94% | 4.63% |
| Q4 2024 | 5.99% | 1.94% | 4.20% |
| Q1 2025 | 6.54% | 1.77% | 4.87% |
| Q2 2025 | 6.11% | 1.83% | 4.40% |
| Q3 2025 | 6.31% | 1.89% | 4.56% |
| Q4 2025 | 6.05% | 1.84% | 4.34% |
| Q1 2026 | 6.44% | 1.72% | 4.83% |
| Q2 2026 | 5.97% | 1.70% | 4.39% |
Franklin State Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin State Bank & Trust Company, 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 Franklin State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11792) · FFIEC NIC profile (RSSD 1006652)