Lafayette State 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 fell 0.31 percentage points to 5.02%. Among 79 Florida banks, Lafayette State Bank sits 4th from the top on net interest margin, 5.02% as of Q2 2026. Lafayette State Bank reported 5.02% on net interest margin for Q2 2026, 1.08 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 7.52% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.28% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.02% |
| Yield to cost spread | 4.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $723K |
| Interest expense on deposits | $723K |
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 | 5.39% | 1.22% | 4.16% | 6.41% | 1.87% |
| Q4 2023 | 5.72% | 1.37% | 4.35% | 6.80% | 1.92% |
| Q1 2024 | 5.69% | 1.29% | 4.40% | 6.73% | 2.16% |
| Q2 2024 | 5.91% | 1.32% | 4.60% | 7.04% | 2.15% |
| Q3 2024 | 6.29% | 1.33% | 4.99% | 7.59% | 2.18% |
| Q4 2024 | 6.25% | 1.40% | 4.90% | 7.71% | 2.07% |
| Q1 2025 | 5.91% | 1.33% | 4.61% | 7.35% | 2.32% |
| Q2 2025 | 6.18% | 1.30% | 4.91% | 7.70% | 2.49% |
| Q3 2025 | 6.38% | 1.34% | 5.07% | 7.86% | 2.66% |
| Q4 2025 | 6.49% | 1.33% | 5.19% | 8.01% | 2.82% |
| Q1 2026 | 6.50% | 1.22% | 5.33% | 7.93% | 2.93% |
| Q2 2026 | 6.27% | 1.28% | 5.02% | 7.52% | 3.00% |
Lafayette State 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 Lafayette State 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 Lafayette State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16396) · FFIEC NIC profile (RSSD 535931)