Hodge 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.18 percentage points to 4.69%. Hodge Bank & Trust Company ranks 21st of 103 Louisiana banks on net interest margin, in the upper half at 4.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Hodge Bank & Trust Company sits 0.74 points higher, at 4.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.58% |
| Yield on loans | 8.15% |
| Yield on securities | 3.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.67% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.69% |
| Yield to cost spread | 3.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $586K |
| Interest expense on deposits | $586K |
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 | 5.89% | 1.75% | 4.37% | 7.45% | 3.45% |
| Q4 2023 | 6.84% | 1.92% | 5.19% | 8.84% | 3.45% |
| Q1 2024 | 6.19% | 2.03% | 4.44% | 7.81% | 3.15% |
| Q2 2024 | 6.37% | 2.33% | 4.36% | 7.87% | 3.21% |
| Q3 2024 | 6.40% | 2.38% | 4.41% | 7.95% | 3.06% |
| Q4 2024 | 6.65% | 2.40% | 4.62% | 8.04% | 2.77% |
| Q1 2025 | 6.47% | 2.30% | 4.54% | 7.90% | 2.78% |
| Q2 2025 | 7.26% | 2.26% | 5.20% | 8.05% | 4.93% |
| Q3 2025 | 7.41% | 2.21% | 5.48% | 8.37% | 4.48% |
| Q4 2025 | 7.08% | 2.39% | 4.99% | 8.24% | 4.10% |
| Q1 2026 | 6.76% | 2.23% | 4.87% | 8.23% | 2.99% |
| Q2 2026 | 6.58% | 2.23% | 4.69% | 8.15% | 3.09% |
Hodge 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 Hodge 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 Hodge Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19354) · FFIEC NIC profile (RSSD 931355)