Metairie 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 4.27%. Metairie Bank & Trust Company ranks 51st of 103 Louisiana banks on net interest margin, in the upper half at 4.27% (Q2 2026). Metairie Bank & Trust Company reported 4.27% on net interest margin for Q2 2026, 0.32 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 6.17% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | 3.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.9M |
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 | 4.33% | 0.62% | 3.75% | 5.31% | 2.14% |
| Q4 2023 | 4.60% | 0.90% | 3.75% | 5.36% | 2.49% |
| Q1 2024 | 4.76% | 1.22% | 3.61% | 5.51% | 2.50% |
| Q2 2024 | 5.07% | 1.37% | 3.78% | 5.83% | 2.64% |
| Q3 2024 | 5.05% | 1.39% | 3.73% | 5.77% | 2.67% |
| Q4 2024 | 5.25% | 1.32% | 4.02% | 5.83% | 2.72% |
| Q1 2025 | 5.18% | 1.35% | 3.91% | 5.83% | 2.87% |
| Q2 2025 | 5.35% | 1.33% | 4.10% | 5.99% | 2.91% |
| Q3 2025 | 5.41% | 1.39% | 4.11% | 6.06% | 2.91% |
| Q4 2025 | 5.48% | 1.40% | 4.19% | 6.15% | 2.89% |
| Q1 2026 | 5.43% | 1.35% | 4.17% | 6.06% | 2.89% |
| Q2 2026 | 5.50% | 1.33% | 4.27% | 6.17% | 2.94% |
Metairie 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 Metairie 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 Metairie Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16539) · FFIEC NIC profile (RSSD 55336)