Simmesport 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 0.09 percentage points between Q1 2026 and Q2 2026, to 4.49%. Within Louisiana, Simmesport State Bank is 33rd of 103 on net interest margin, 4.49% as of Q2 2026, above the middle of the field. Simmesport State Bank reported 4.49% on net interest margin for Q2 2026, 0.54 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.88% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.64% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 6.29% | 2.35% | 4.05% |
| Q4 2023 | 6.69% | 2.55% | 4.27% |
| Q1 2024 | 6.70% | 2.75% | 4.08% |
| Q2 2024 | 6.81% | 2.91% | 4.05% |
| Q3 2024 | 7.14% | 3.24% | 4.11% |
| Q4 2024 | 7.04% | 3.35% | 3.96% |
| Q1 2025 | 6.85% | 3.08% | 3.99% |
| Q2 2025 | 6.71% | 2.98% | 3.94% |
| Q3 2025 | 6.89% | 2.90% | 4.21% |
| Q4 2025 | 6.73% | 2.73% | 4.22% |
| Q1 2026 | 6.84% | 2.65% | 4.40% |
| Q2 2026 | 6.88% | 2.64% | 4.49% |
Simmesport 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 Simmesport 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 Simmesport State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17587) · FFIEC NIC profile (RSSD 844138)