Merchants & Farmers 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 3.55% to 3.63%, the largest move among the key lines here. Within Louisiana, Merchants & Farmers Bank & Trust Company is 80th of 103 on net interest margin, 3.63% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Merchants & Farmers Bank & Trust Company sits 0.32 points lower, at 3.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.61% |
| Yield on loans | 6.45% |
| Yield on securities | 2.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.08% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 3.98% | 0.83% | 3.21% | 5.55% | 1.90% |
| Q4 2023 | 4.17% | 1.13% | 3.12% | 5.72% | 1.91% |
| Q1 2024 | 4.16% | 1.13% | 3.11% | 5.75% | 1.96% |
| Q2 2024 | 4.28% | 1.16% | 3.20% | 5.95% | 1.95% |
| Q3 2024 | 4.42% | 1.27% | 3.25% | 6.11% | 1.94% |
| Q4 2024 | 4.50% | 1.16% | 3.42% | 6.25% | 1.95% |
| Q1 2025 | 4.43% | 1.09% | 3.41% | 6.14% | 2.01% |
| Q2 2025 | 4.51% | 1.15% | 3.44% | 6.26% | 2.00% |
| Q3 2025 | 4.66% | 1.23% | 3.53% | 6.51% | 2.15% |
| Q4 2025 | 4.70% | 1.16% | 3.63% | 6.62% | 2.14% |
| Q1 2026 | 4.53% | 1.06% | 3.55% | 6.36% | 2.15% |
| Q2 2026 | 4.61% | 1.08% | 3.63% | 6.45% | 2.22% |
Merchants & Farmers 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 Merchants & Farmers 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 Merchants & Farmers Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9319) · FFIEC NIC profile (RSSD 136338)