Resource 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.14 percentage points to 4.52%. Within Louisiana, Resource Bank is 31st of 102 on net interest margin, 4.52% as of Q2 2026. Resource Bank reported 4.52% on net interest margin for Q2 2026, 0.58 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.89% |
| Yield on loans | 6.34% |
| Yield on securities | 1.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.52% |
| Yield to cost spread | 3.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.0M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.8M |
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 | 4.87% | 1.32% | 3.39% | 5.95% | 1.55% |
| Q4 2023 | 5.06% | 1.61% | 3.29% | 6.11% | 1.60% |
| Q1 2024 | 5.22% | 1.74% | 3.31% | 6.16% | 1.61% |
| Q2 2024 | 5.34% | 1.86% | 3.31% | 6.24% | 1.59% |
| Q3 2024 | 5.52% | 1.86% | 3.49% | 6.41% | 1.65% |
| Q4 2024 | 5.58% | 1.77% | 3.65% | 6.43% | 1.55% |
| Q1 2025 | 5.56% | 1.60% | 3.80% | 6.29% | 1.46% |
| Q2 2025 | 5.75% | 1.59% | 4.04% | 6.44% | 1.48% |
| Q3 2025 | 5.90% | 1.49% | 4.29% | 6.51% | 1.57% |
| Q4 2025 | 5.87% | 1.39% | 4.36% | 6.47% | 1.63% |
| Q1 2026 | 5.78% | 1.27% | 4.38% | 6.31% | 1.65% |
| Q2 2026 | 5.89% | 1.23% | 4.52% | 6.34% | 1.77% |
Resource 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 Resource 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 Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34803) · FFIEC NIC profile (RSSD 2716088)