Home Federal Bank: 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, Total interest expense edged up by 2.4%, from $2.5M to $2.6M, the largest move among the key lines here. Within Louisiana, Home Federal Bank is 73rd of 103 on net interest margin, 3.85% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Home Federal Bank reported 3.85% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 6.32% |
| Yield on securities | 2.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.25% | 1.78% | 3.55% | 5.93% | 2.26% |
| Q4 2023 | 5.30% | 2.04% | 3.35% | 5.95% | 2.32% |
| Q1 2024 | 5.24% | 1.79% | 3.06% | 5.90% | 2.08% |
| Q2 2024 | 5.28% | 1.84% | 3.04% | 5.96% | 1.93% |
| Q3 2024 | 5.37% | 2.30% | 3.15% | 6.07% | 1.95% |
| Q4 2024 | 5.28% | 2.16% | 3.22% | 6.04% | 1.97% |
| Q1 2025 | 5.15% | 1.94% | 3.29% | 5.82% | 2.07% |
| Q2 2025 | 5.32% | 1.89% | 3.51% | 5.98% | 2.22% |
| Q3 2025 | 5.50% | 1.93% | 3.66% | 6.22% | 2.26% |
| Q4 2025 | 5.54% | 1.88% | 3.75% | 6.25% | 2.32% |
| Q1 2026 | 5.48% | 1.80% | 3.74% | 6.15% | 2.38% |
| Q2 2026 | 5.58% | 1.81% | 3.85% | 6.32% | 2.50% |
Home Federal Bank 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 Federal Bank, 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 Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27654) · FFIEC NIC profile (RSSD 804374)