Guaranty Bank & Trust Company of Delhi: 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 standout move of Q2 2026 was in Cost of borrowings: 3.09 percentage points lower than in Q1 2026, at 3.23%. Within Louisiana, Guaranty Bank & Trust Company of Delhi is 64th of 103 on net interest margin, 4.10% as of Q2 2026, below the middle of the field. Guaranty Bank & Trust Company of Delhi reported 4.10% on net interest margin for Q2 2026, 0.15 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 7.55% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.62% |
| Cost of interest-bearing deposits | 3.42% |
| Cost of interest-bearing liabilities | 3.42% |
| Cost of borrowings | 3.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.7M |
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 | 6.43% | 2.26% | 4.28% | 6.96% | 1.57% |
| Q4 2023 | 6.58% | 2.55% | 4.16% | 7.19% | 1.34% |
| Q1 2024 | 6.71% | 2.68% | 4.17% | 7.29% | 0.97% |
| Q2 2024 | 6.90% | 2.86% | 4.23% | 7.44% | 1.63% |
| Q3 2024 | 7.10% | 3.02% | 4.28% | 7.64% | 2.37% |
| Q4 2024 | 6.96% | 3.03% | 4.13% | 7.67% | 1.63% |
| Q1 2025 | 6.81% | 2.93% | 4.01% | 7.55% | 1.39% |
| Q2 2025 | 6.70% | 2.93% | 3.94% | 7.50% | 1.64% |
| Q3 2025 | 6.83% | 2.93% | 4.08% | 7.71% | 2.56% |
| Q4 2025 | 6.67% | 2.89% | 3.99% | 7.58% | 2.07% |
| Q1 2026 | 6.39% | 2.82% | 3.72% | 7.39% | 3.79% |
| Q2 2026 | 6.56% | 2.62% | 4.10% | 7.55% | 3.58% |
Guaranty Bank & Trust Company of Delhi yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank & Trust Company of Delhi, 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 Guaranty Bank & Trust Company of Delhi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19638) · FFIEC NIC profile (RSSD 969255)