Origin 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.
The standout move of Q2 2026 was in Cost of borrowings: 0.92 percentage points higher than in Q1 2026, at 3.64%. Origin Bank ranks 70th of 102 Louisiana banks on net interest margin, in the lower half at 3.88% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.59% on net interest margin. Origin Bank sits 0.29 points higher, at 3.88% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 6.13% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $121.9M |
| Total interest expense | $43.3M |
| Interest expense on deposits | $42.0M |
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 | 5.63% | 2.25% | 3.16% | 6.40% | 2.26% |
| Q4 2023 | 5.79% | 2.38% | 3.20% | 6.52% | 2.23% |
| Q1 2024 | 5.87% | 2.50% | 3.16% | 6.55% | 2.26% |
| Q2 2024 | 5.89% | 2.58% | 3.11% | 6.54% | 2.25% |
| Q3 2024 | 6.05% | 2.66% | 3.19% | 6.71% | 2.29% |
| Q4 2024 | 5.88% | 2.35% | 3.35% | 6.51% | 2.44% |
| Q1 2025 | 5.66% | 2.11% | 3.40% | 6.24% | 2.87% |
| Q2 2025 | 5.78% | 2.09% | 3.57% | 6.31% | 2.97% |
| Q3 2025 | 5.89% | 2.07% | 3.68% | 6.38% | 3.49% |
| Q4 2025 | 5.77% | 1.85% | 3.78% | 6.27% | 3.40% |
| Q1 2026 | 5.45% | 1.70% | 3.64% | 5.98% | 3.35% |
| Q2 2026 | 5.69% | 1.68% | 3.88% | 6.13% | 3.48% |
Origin 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 Origin 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 Origin Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12614) · FFIEC NIC profile (RSSD 667757)