Gibsland 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.
Cost of borrowings climbed 3.47 percentage points in Q2 2026, from 2.46% to 5.93%. It was the largest change from Q1 2026 among the key lines here. Gibsland Bank & Trust Company ranks 28th of 103 Louisiana banks on net interest margin, in the upper half at 4.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Gibsland Bank & Trust Company sits 0.67 points higher, at 4.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.40% |
| Yield on loans | 7.26% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 5.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.6M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.1M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.77% | 1.37% | 4.42% | 6.72% | 3.06% |
| Q4 2023 | 5.65% | 1.63% | 4.11% | 6.72% | 3.16% |
| Q1 2024 | 5.96% | 1.82% | 4.23% | 6.88% | 3.56% |
| Q2 2024 | 6.09% | 2.01% | 4.23% | 7.11% | 2.97% |
| Q3 2024 | 6.25% | 2.18% | 4.22% | 7.17% | 3.09% |
| Q4 2024 | 6.36% | 2.03% | 4.48% | 7.30% | 3.47% |
| Q1 2025 | 6.17% | 1.87% | 4.44% | 7.19% | 2.91% |
| Q2 2025 | 6.37% | 1.88% | 4.67% | 7.39% | 2.83% |
| Q3 2025 | 6.57% | 1.91% | 4.82% | 7.55% | 2.90% |
| Q4 2025 | 6.41% | 1.52% | 4.69% | 7.48% | 2.62% |
| Q1 2026 | 6.43% | 1.72% | 4.78% | 7.39% | 3.06% |
| Q2 2026 | 6.40% | 1.95% | 4.62% | 7.26% | 3.08% |
Gibsland 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 Gibsland 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 Gibsland Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16689) · FFIEC NIC profile (RSSD 734350)