Homeland Federal Savings 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.17 percentage points to 4.15%. Within Louisiana, Homeland Federal Savings Bank is 60th of 103 on net interest margin, 4.15% as of Q2 2026, below the middle of the field. Homeland Federal Savings Bank reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.85% |
| Yield on loans | 7.20% |
| Yield on securities | 4.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.14% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.24% |
| Cost of borrowings | 4.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.0M |
| Total interest expense | $4.2M |
| Interest expense on deposits | $4.1M |
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 | 6.19% | 2.57% | 3.71% | 6.33% | 4.42% |
| Q4 2023 | 6.31% | 2.93% | 3.59% | 6.47% | 4.80% |
| Q1 2024 | 6.37% | 3.15% | 3.43% | 6.51% | 4.66% |
| Q2 2024 | 6.40% | 3.23% | 3.39% | 6.53% | 4.69% |
| Q3 2024 | 6.66% | 3.43% | 3.47% | 6.80% | 4.66% |
| Q4 2024 | 6.54% | 3.43% | 3.37% | 6.70% | 4.64% |
| Q1 2025 | 6.64% | 2.96% | 3.57% | 6.77% | 4.63% |
| Q2 2025 | 6.77% | 3.23% | 3.75% | 7.02% | 4.57% |
| Q3 2025 | 6.88% | 3.28% | 3.88% | 7.14% | 4.60% |
| Q4 2025 | 6.95% | 3.20% | 4.01% | 7.18% | 4.50% |
| Q1 2026 | 6.73% | 3.03% | 3.98% | 7.01% | 4.49% |
| Q2 2026 | 6.85% | 3.14% | 4.15% | 7.20% | 4.48% |
Homeland Federal Savings 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 Homeland Federal Savings 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 Homeland Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32459) · FFIEC NIC profile (RSSD 251978)