Southern Heritage 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.
Compared with Q1 2026, Net interest margin rose 0.21 percentage points in Q2 2026 to 4.61%, the biggest move on this page. Southern Heritage Bank ranks 29th of 103 Louisiana banks on net interest margin, in the upper half at 4.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Southern Heritage Bank sits 0.66 points higher, at 4.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 7.29% |
| Yield on securities | 2.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 3.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 3.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.2M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.16% | 1.49% | 3.77% | 6.02% | 2.43% |
| Q4 2023 | 5.28% | 1.62% | 3.78% | 6.18% | 2.38% |
| Q1 2024 | 5.45% | 1.71% | 3.88% | 6.46% | 2.60% |
| Q2 2024 | 5.62% | 1.84% | 3.88% | 6.61% | 2.52% |
| Q3 2024 | 5.85% | 1.93% | 4.05% | 6.87% | 2.52% |
| Q4 2024 | 5.83% | 1.90% | 4.06% | 6.81% | 2.39% |
| Q1 2025 | 5.82% | 1.85% | 4.07% | 6.88% | 2.40% |
| Q2 2025 | 5.96% | 1.85% | 4.23% | 7.01% | 2.53% |
| Q3 2025 | 6.28% | 1.78% | 4.63% | 7.46% | 2.72% |
| Q4 2025 | 6.16% | 1.72% | 4.58% | 7.37% | 2.80% |
| Q1 2026 | 5.85% | 1.59% | 4.40% | 7.11% | 2.68% |
| Q2 2026 | 6.04% | 1.57% | 4.61% | 7.29% | 2.74% |
Southern Heritage 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 Southern Heritage 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 Southern Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20698) · FFIEC NIC profile (RSSD 935559)