South Lafourche Bank & Trust Company: 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 fell 0.27 percentage points to 3.55%. South Lafourche Bank & Trust Company ranks 86th of 103 Louisiana banks on net interest margin, in the lower half at 3.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. South Lafourche Bank & Trust Company sits 0.40 points lower, at 3.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 5.97% |
| Yield on securities | 2.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 2.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $754K |
| Interest expense on deposits | $665K |
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 | 5.18% | 1.43% | 3.93% | 6.02% | 1.88% |
| Q4 2023 | 5.24% | 1.59% | 3.84% | 6.05% | 1.84% |
| Q1 2024 | 5.28% | 1.72% | 3.74% | 6.07% | 1.79% |
| Q2 2024 | 7.33% | 1.86% | 5.68% | 8.71% | 1.81% |
| Q3 2024 | 5.57% | 2.19% | 3.67% | 6.35% | 1.86% |
| Q4 2024 | 5.51% | 2.20% | 3.58% | 6.38% | 1.84% |
| Q1 2025 | 5.36% | 2.10% | 3.46% | 6.24% | 1.83% |
| Q2 2025 | 5.41% | 1.90% | 3.71% | 6.26% | 1.95% |
| Q3 2025 | 6.03% | 2.03% | 4.25% | 7.05% | 2.04% |
| Q4 2025 | 5.71% | 1.97% | 3.97% | 6.54% | 2.11% |
| Q1 2026 | 5.48% | 1.88% | 3.82% | 6.17% | 2.16% |
| Q2 2026 | 5.26% | 1.91% | 3.55% | 5.97% | 2.32% |
South Lafourche Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Lafourche Bank & Trust Company, 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 South Lafourche Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19755) · FFIEC NIC profile (RSSD 135836)