Petit Jean 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.06 percentage points between Q1 2026 and Q2 2026, to 4.20%. Petit Jean State Bank ranks 30th of 78 Arkansas banks on net interest margin, in the upper half at 4.20% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Petit Jean State Bank sits 0.25 points higher, at 4.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 7.75% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 0.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 4.93% | 1.32% | 3.75% | 6.47% | 2.61% |
| Q4 2023 | 5.08% | 1.59% | 3.67% | 6.69% | 2.64% |
| Q1 2024 | 5.34% | 1.76% | 3.78% | 7.14% | 2.65% |
| Q2 2024 | 5.45% | 1.83% | 3.84% | 7.22% | 2.68% |
| Q3 2024 | 5.67% | 1.95% | 3.96% | 7.57% | 2.70% |
| Q4 2024 | 5.69% | 1.98% | 3.97% | 7.61% | 2.74% |
| Q1 2025 | 5.56% | 1.93% | 3.88% | 7.59% | 2.73% |
| Q2 2025 | 5.80% | 1.99% | 4.05% | 7.79% | 2.82% |
| Q3 2025 | 5.92% | 2.03% | 4.16% | 7.87% | 2.82% |
| Q4 2025 | 5.87% | 1.97% | 4.18% | 7.91% | 2.72% |
| Q1 2026 | 5.78% | 1.87% | 4.14% | 7.71% | 2.94% |
| Q2 2026 | 5.84% | 1.87% | 4.20% | 7.75% | 3.05% |
Petit Jean 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 Petit Jean 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 Petit Jean State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35084) · FFIEC NIC profile (RSSD 2769570)