The Mer Rouge 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.
Compared with Q1 2026, Yield on loans fell 0.36 percentage points in Q2 2026 to 8.25%, the biggest move on this page. Among 103 Louisiana banks, The Mer Rouge State Bank sits 8th from the top on net interest margin, 4.94% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Mer Rouge State Bank sits 1.06 points higher, at 4.94% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 8.25% |
| Yield on securities | 1.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.94% |
| Yield to cost spread | 4.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $643K |
| Total interest expense | $146K |
| Interest expense on deposits | $146K |
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 | 5.47% | 0.82% | 4.64% | 8.46% | 2.06% |
| Q4 2023 | 5.08% | 0.94% | 4.23% | 8.41% | 2.06% |
| Q1 2024 | 5.69% | 1.15% | 4.61% | 8.90% | 2.23% |
| Q2 2024 | 5.60% | 1.51% | 4.23% | 8.22% | 2.28% |
| Q3 2024 | 5.89% | 1.65% | 4.32% | 8.15% | 2.21% |
| Q4 2024 | 5.61% | 1.42% | 4.18% | 8.31% | 2.03% |
| Q1 2025 | 6.06% | 1.44% | 4.71% | 9.73% | 1.97% |
| Q2 2025 | 5.75% | 1.40% | 4.45% | 8.37% | 2.04% |
| Q3 2025 | 5.78% | 1.42% | 4.49% | 8.10% | 2.01% |
| Q4 2025 | 5.72% | 1.32% | 4.50% | 8.14% | 2.09% |
| Q1 2026 | 5.99% | 1.25% | 4.84% | 8.61% | 1.97% |
| Q2 2026 | 6.13% | 1.31% | 4.94% | 8.25% | 1.85% |
The Mer Rouge 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 The Mer Rouge 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 The Mer Rouge State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 314) · FFIEC NIC profile (RSSD 741956)