Rayne Building & 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.
Net interest margin rose 0.17 percentage points from Q1 2026 to Q2 2026, ending at 2.67% against 2.50%. It was the largest change among the key lines on this page. Rayne Building & Loan Association has the 7th lowest net interest margin of the 103 banks headquartered in Louisiana, at 2.67% as of Q2 2026. Rayne Building & Loan Association reported 2.67% on net interest margin for Q2 2026, 1.22 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 6.79% |
| Yield on securities | 2.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.77% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.67% |
| Yield to cost spread | 2.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $407K |
| Total interest expense | $252K |
| Interest expense on deposits | $252K |
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 | 4.01% | 2.21% | 2.17% | 6.24% | 1.36% |
| Q4 2023 | 4.35% | 2.56% | 2.22% | 6.37% | 1.75% |
| Q1 2024 | 4.42% | 2.73% | 2.12% | 6.34% | 1.77% |
| Q2 2024 | 5.03% | 2.76% | 2.68% | 6.29% | 1.85% |
| Q3 2024 | 5.13% | 2.86% | 2.71% | 6.55% | 1.86% |
| Q4 2024 | 5.26% | 2.78% | 2.94% | 6.66% | 2.57% |
| Q1 2025 | 4.90% | 2.73% | 2.63% | 6.46% | 2.01% |
| Q2 2025 | 5.12% | 2.75% | 2.85% | 6.69% | 2.04% |
| Q3 2025 | 5.09% | 2.83% | 2.75% | 6.76% | 2.18% |
| Q4 2025 | 4.97% | 2.85% | 2.62% | 6.70% | 2.49% |
| Q1 2026 | 4.78% | 2.76% | 2.50% | 6.61% | 2.55% |
| Q2 2026 | 4.95% | 2.77% | 2.67% | 6.79% | 2.53% |
Rayne Building & 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 Rayne Building & 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 Rayne Building & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30447) · FFIEC NIC profile (RSSD 518176)