United Community 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 standout move of Q2 2026 was in Total interest expense: 9.1% lower than in Q1 2026, at $2.2M. Among 103 Louisiana banks, United Community Bank sits 7th from the top on net interest margin, 5.28% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Community Bank sits 1.33 points higher, at 5.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.66% |
| Yield on loans | 7.40% |
| Yield on securities | 1.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.28% |
| Yield to cost spread | 4.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.5M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.2M |
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 | 6.55% | 0.82% | 5.81% | 7.17% | 1.41% |
| Q4 2023 | 6.73% | 1.03% | 5.82% | 7.36% | 1.33% |
| Q1 2024 | 6.43% | 1.18% | 5.38% | 6.95% | 1.39% |
| Q2 2024 | 6.70% | 1.31% | 5.54% | 7.18% | 1.44% |
| Q3 2024 | 6.66% | 1.37% | 5.44% | 7.16% | 1.42% |
| Q4 2024 | 7.81% | 1.36% | 6.61% | 8.62% | 1.82% |
| Q1 2025 | 6.68% | 1.18% | 5.51% | 7.18% | 1.82% |
| Q2 2025 | 6.81% | 1.43% | 5.52% | 7.35% | 1.79% |
| Q3 2025 | 7.20% | 1.61% | 5.74% | 7.81% | 1.77% |
| Q4 2025 | 6.79% | 1.65% | 5.29% | 7.49% | 1.78% |
| Q1 2026 | 6.45% | 1.68% | 4.94% | 7.26% | 1.77% |
| Q2 2026 | 6.66% | 1.53% | 5.28% | 7.40% | 1.72% |
United Community 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 United Community 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 United Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19143) · FFIEC NIC profile (RSSD 90337)