Tensas 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.20 percentage points to 3.90%. Within Louisiana, Tensas State Bank is 68th of 103 on net interest margin, 3.90% as of Q2 2026, below the middle of the field. At 3.90%, Tensas State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 1.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $864K |
| Interest expense on deposits | $860K |
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 | 5.53% | 2.18% | 3.34% |
| Q4 2023 | 5.37% | 2.17% | 3.21% |
| Q1 2024 | 5.26% | 2.19% | 3.06% |
| Q2 2024 | 5.79% | 2.79% | 3.20% |
| Q3 2024 | 5.98% | 2.34% | 3.25% |
| Q4 2024 | 5.95% | 2.47% | 3.46% |
| Q1 2025 | 5.77% | 2.26% | 3.49% |
| Q2 2025 | 5.95% | 2.34% | 3.70% |
| Q3 2025 | 5.94% | 2.54% | 3.54% |
| Q4 2025 | 5.89% | 1.97% | 3.81% |
| Q1 2026 | 5.67% | 1.86% | 3.70% |
| Q2 2026 | 5.85% | 2.14% | 3.90% |
Tensas 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 Tensas 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 Tensas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8533) · FFIEC NIC profile (RSSD 134455)