Red River 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.
Total interest expense fell 3.6% from Q1 2026 to Q2 2026, ending at $10.4M against $10.7M. It was the largest change among the key lines on this page. Within Louisiana, Red River Bank is 77th of 102 on net interest margin, 3.66% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Red River Bank reported 3.66% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 5.72% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.12% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $32.3M |
| Total interest expense | $10.4M |
| Interest expense on deposits | $10.4M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.16% | 1.07% | 2.86% | 4.94% | 1.87% |
| Q4 2023 | 4.33% | 1.21% | 2.90% | 5.07% | 2.05% |
| Q1 2024 | 4.44% | 1.32% | 2.89% | 5.16% | 2.26% |
| Q2 2024 | 4.57% | 1.36% | 2.97% | 5.29% | 2.34% |
| Q3 2024 | 4.73% | 1.42% | 3.06% | 5.46% | 2.50% |
| Q4 2024 | 4.73% | 1.35% | 3.17% | 5.49% | 2.62% |
| Q1 2025 | 4.69% | 1.25% | 3.24% | 5.44% | 2.73% |
| Q2 2025 | 4.83% | 1.22% | 3.41% | 5.58% | 2.84% |
| Q3 2025 | 4.95% | 1.24% | 3.51% | 5.72% | 2.94% |
| Q4 2025 | 4.96% | 1.18% | 3.59% | 5.74% | 3.03% |
| Q1 2026 | 4.85% | 1.14% | 3.53% | 5.62% | 3.00% |
| Q2 2026 | 4.95% | 1.12% | 3.66% | 5.72% | 3.01% |
Red River 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 Red River 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 Red River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34980) · FFIEC NIC profile (RSSD 2743244)