St. Landry Bank and 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.
Compared with Q1 2026, Net interest margin rose 0.30 percentage points in Q2 2026 to 3.07%, the biggest move on this page. On net interest margin, St. Landry Bank and Trust Company is 11th from the bottom among 103 Louisiana banks, 3.07% (Q2 2026). St. Landry Bank and Trust Company reported 3.07% on net interest margin for Q2 2026, 0.88 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.54% |
| Yield on loans | 6.90% |
| Yield on securities | 1.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.51% |
| Cost of interest-bearing deposits | 0.83% |
| Cost of interest-bearing liabilities | 0.83% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $337K |
| Interest expense on deposits | $337K |
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 | 2.60% | 0.28% | 2.24% | 5.33% | 1.55% |
| Q4 2023 | 2.87% | 0.42% | 2.34% | 5.90% | 1.60% |
| Q1 2024 | 3.18% | 0.47% | 2.59% | 5.92% | 1.75% |
| Q2 2024 | 3.22% | 0.52% | 2.58% | 5.75% | 1.85% |
| Q3 2024 | 3.36% | 0.58% | 2.64% | 6.42% | 1.90% |
| Q4 2024 | 3.33% | 0.58% | 2.62% | 6.37% | 1.90% |
| Q1 2025 | 3.31% | 0.51% | 2.67% | 6.52% | 1.89% |
| Q2 2025 | 3.51% | 0.48% | 2.92% | 7.15% | 1.91% |
| Q3 2025 | 3.55% | 0.49% | 2.94% | 7.13% | 1.86% |
| Q4 2025 | 3.56% | 0.47% | 2.95% | 7.22% | 1.86% |
| Q1 2026 | 3.30% | 0.57% | 2.77% | 6.33% | 1.87% |
| Q2 2026 | 3.54% | 0.51% | 3.07% | 6.90% | 1.98% |
St. Landry Bank and 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 St. Landry Bank and 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 St. Landry Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8534) · FFIEC NIC profile (RSSD 885430)