M C Bank & Trust Company: 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.
Total interest expense dropped 124.2% in Q2 2026, from $1.8M to -$448K. It was the largest change from Q1 2026 among the key lines here. M C Bank & Trust Company ranks 79th of 103 Louisiana banks on net interest margin, in the lower half at 3.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. M C Bank & Trust Company sits 0.31 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.89% |
| Yield on loans | 6.66% |
| Yield on securities | 0.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | -0.56% |
| Cost of interest-bearing deposits | -0.57% |
| Cost of interest-bearing liabilities | -0.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 5.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | -$1.7M |
| Total interest expense | -$448K |
| Interest expense on deposits | -$448K |
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% | 1.77% | 3.82% | 6.14% | 1.74% |
| Q4 2023 | 5.61% | 2.04% | 3.98% | 6.57% | 1.69% |
| Q1 2024 | 5.74% | 2.29% | 3.83% | 6.52% | 1.68% |
| Q2 2024 | 5.93% | 2.30% | 4.02% | 6.68% | 1.66% |
| Q3 2024 | 5.98% | 2.38% | 4.02% | 6.81% | 1.62% |
| Q4 2024 | 5.91% | 2.24% | 4.09% | 6.89% | 1.64% |
| Q1 2025 | 5.73% | 2.13% | 4.01% | 6.79% | 1.64% |
| Q2 2025 | 6.14% | 2.23% | 4.37% | 7.22% | 1.62% |
| Q3 2025 | 5.89% | 2.41% | 4.01% | 7.05% | 1.67% |
| Q4 2025 | 6.01% | 2.21% | 4.25% | 7.09% | 1.63% |
| Q1 2026 | 5.64% | 2.01% | 4.02% | 6.85% | 1.63% |
| Q2 2026 | 4.89% | -0.56% | 3.64% | 6.66% | 0.96% |
M C Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock M C Bank & Trust Company, 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 M C Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17388) · FFIEC NIC profile (RSSD 1003839)