Louisiana National 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 standout move of Q2 2026 was in Net interest margin: 0.44 percentage points higher than in Q1 2026, at 6.34%. On net interest margin, Louisiana National Bank ranks 2nd highest among the 103 banks headquartered in Louisiana, at 6.34% (Q2 2026). Louisiana National Bank's net interest margin of 6.34% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.39 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.03% |
| Yield on loans | 8.23% |
| Yield on securities | 4.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.34% |
| Yield to cost spread | 5.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 7.04% | 2.09% | 4.64% | 7.25% | 3.25% |
| Q4 2023 | 7.27% | 2.30% | 4.66% | 7.44% | 3.21% |
| Q1 2024 | 6.98% | 2.29% | 4.35% | 7.17% | 3.27% |
| Q2 2024 | 7.48% | 2.20% | 4.93% | 7.65% | 3.33% |
| Q3 2024 | 7.74% | 2.23% | 5.15% | 7.95% | 3.25% |
| Q4 2024 | 7.83% | 2.05% | 5.47% | 8.01% | 3.17% |
| Q1 2025 | 7.79% | 1.79% | 5.63% | 8.04% | 3.50% |
| Q2 2025 | 8.02% | 1.73% | 5.98% | 8.23% | 3.67% |
| Q3 2025 | 8.16% | 1.75% | 6.12% | 8.39% | 4.16% |
| Q4 2025 | 8.19% | 1.68% | 6.23% | 8.41% | 4.03% |
| Q1 2026 | 7.71% | 1.55% | 5.90% | 7.94% | 3.66% |
| Q2 2026 | 8.03% | 1.43% | 6.34% | 8.23% | 4.19% |
Louisiana National 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 Louisiana National 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 Louisiana National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15059) · FFIEC NIC profile (RSSD 109659)