Patterson 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 3.04% to 3.12%, the largest move among the key lines here. Within Louisiana, Patterson State Bank is 92nd of 103 on net interest margin, 3.12% 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. Patterson State Bank sits 0.83 points lower, at 3.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 4.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 |
|---|---|---|---|
| Q3 2023 | 4.31% | 1.65% | 2.76% |
| Q4 2023 | 4.56% | 1.81% | 2.85% |
| Q1 2024 | 4.54% | 1.89% | 2.76% |
| Q2 2024 | 4.70% | 1.95% | 2.89% |
| Q3 2024 | 4.66% | 2.02% | 2.72% |
| Q4 2024 | 4.67% | 2.09% | 2.72% |
| Q1 2025 | 4.68% | 2.02% | 2.79% |
| Q2 2025 | 5.06% | 2.01% | 3.12% |
| Q3 2025 | 4.96% | 2.01% | 3.04% |
| Q4 2025 | 4.94% | 1.93% | 3.10% |
| Q1 2026 | 4.76% | 1.81% | 3.04% |
| Q2 2026 | 4.84% | 1.82% | 3.12% |
Patterson 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 Patterson 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 Patterson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12609) · FFIEC NIC profile (RSSD 85931)