Mutual Savings and Loan Association: 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 0.10 percentage points, from 3.78% to 3.88%, the largest move among the key lines here. Within Louisiana, Mutual Savings and Loan Association is 71st of 103 on net interest margin, 3.88% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Mutual Savings and Loan Association reported 3.88% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | 4.55% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.05% |
| Cost of interest-bearing deposits | 1.19% |
| Cost of interest-bearing liabilities | 1.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $342K |
| Total interest expense | $51K |
| Interest expense on deposits | $51K |
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 |
|---|---|---|---|---|
| Q3 2023 | 4.18% | 0.90% | 3.60% | 4.12% |
| Q4 2023 | 4.23% | 1.34% | 3.38% | 4.10% |
| Q1 2024 | 4.22% | 1.70% | 3.19% | 4.17% |
| Q2 2024 | 4.29% | 2.22% | 3.16% | 4.22% |
| Q3 2024 | 4.35% | 2.99% | 3.09% | 4.30% |
| Q4 2024 | 4.29% | 1.53% | 3.15% | 4.32% |
| Q1 2025 | 4.30% | 1.35% | 3.46% | 4.30% |
| Q2 2025 | 4.39% | 1.24% | 3.71% | 4.33% |
| Q3 2025 | 4.34% | 0.94% | 3.80% | 4.36% |
| Q4 2025 | 4.43% | 1.07% | 3.85% | 4.48% |
| Q1 2026 | 4.35% | 1.01% | 3.78% | 4.50% |
| Q2 2026 | 4.47% | 1.05% | 3.88% | 4.55% |
Mutual Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual Savings and Loan Association, 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 Mutual Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27716) · FFIEC NIC profile (RSSD 809070)