JD 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 Total interest expense, which rose 5.3% to $3.4M. Within Louisiana, JD Bank is 53rd of 102 on net interest margin, 4.25% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. JD Bank sits 0.54 points higher, at 4.25% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.81% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.47% |
| Cost of interest-bearing liabilities | 1.47% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 3.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.2M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.4M |
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 | 4.54% | 0.72% | 3.87% | 5.98% | 2.48% |
| Q4 2023 | 4.82% | 0.88% | 3.99% | 6.18% | 2.65% |
| Q1 2024 | 4.99% | 1.03% | 4.01% | 6.32% | 2.72% |
| Q2 2024 | 4.99% | 1.14% | 3.94% | 6.37% | 2.60% |
| Q3 2024 | 5.31% | 1.24% | 4.15% | 6.78% | 2.68% |
| Q4 2024 | 5.15% | 1.28% | 3.94% | 6.55% | 2.60% |
| Q1 2025 | 5.07% | 1.17% | 3.96% | 6.48% | 2.53% |
| Q2 2025 | 5.29% | 1.16% | 4.18% | 6.70% | 2.57% |
| Q3 2025 | 5.40% | 1.28% | 4.19% | 6.85% | 2.54% |
| Q4 2025 | 5.38% | 1.21% | 4.23% | 6.80% | 2.54% |
| Q1 2026 | 5.28% | 1.15% | 4.20% | 6.68% | 2.56% |
| Q2 2026 | 5.38% | 1.22% | 4.25% | 6.81% | 2.61% |
JD 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 JD 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 JD Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16546) · FFIEC NIC profile (RSSD 980531)