Home Bank, N.A.: 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 4.27% to 4.39%, the largest move among the key lines here. Within Louisiana, Home Bank, N.A. 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 $1B-10B asset tier is 3.71% on net interest margin. Home Bank, N.A. sits 0.68 points higher, at 4.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $45.0M |
| Total interest expense | $12.6M |
| Interest expense on deposits | $12.6M |
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 | 5.46% | 1.64% | 3.94% |
| Q4 2023 | 5.59% | 1.86% | 3.88% |
| Q1 2024 | 5.65% | 1.99% | 3.81% |
| Q2 2024 | 5.75% | 2.10% | 3.82% |
| Q3 2024 | 5.93% | 2.20% | 3.91% |
| Q4 2024 | 5.92% | 2.09% | 4.02% |
| Q1 2025 | 5.83% | 1.96% | 4.03% |
| Q2 2025 | 5.97% | 1.93% | 4.20% |
| Q3 2025 | 6.06% | 1.92% | 4.30% |
| Q4 2025 | 5.93% | 1.85% | 4.25% |
| Q1 2026 | 5.77% | 1.65% | 4.27% |
| Q2 2026 | 5.90% | 1.65% | 4.39% |
Home Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank, N.A., 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 Home Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28094) · FFIEC NIC profile (RSSD 929978)