Gulf Coast Bank and 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.
The largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.52 percentage points to 4.29%. Gulf Coast Bank and Trust Company has the highest net interest margin of the 103 banks headquartered in Louisiana, 7.07% as of Q2 2026. Gulf Coast Bank and Trust Company's net interest margin of 7.07% is well above the 3.71% median for banks in the $1B-10B asset tier, a gap of 3.36 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 9.13% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.71% |
| Cost of borrowings | 6.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 7.07% |
| Yield to cost spread | 6.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $72.7M |
| Total interest expense | $18.7M |
| Interest expense on deposits | $16.7M |
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 |
|---|---|---|---|
| Q3 2023 | 9.45% | 2.01% | 7.57% |
| Q4 2023 | 9.46% | 2.35% | 7.28% |
| Q1 2024 | 9.37% | 2.49% | 7.07% |
| Q2 2024 | 9.58% | 2.53% | 7.20% |
| Q3 2024 | 9.44% | 2.63% | 6.96% |
| Q4 2024 | 9.35% | 2.58% | 6.95% |
| Q1 2025 | 9.13% | 2.51% | 6.77% |
| Q2 2025 | 9.37% | 2.46% | 7.07% |
| Q3 2025 | 9.47% | 2.45% | 7.16% |
| Q4 2025 | 9.27% | 2.34% | 7.09% |
| Q1 2026 | 8.92% | 2.21% | 6.84% |
| Q2 2026 | 9.13% | 2.23% | 7.07% |
Gulf Coast Bank and 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 Gulf Coast Bank and 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 Gulf Coast Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32974) · FFIEC NIC profile (RSSD 1458608)