Vermilion 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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 1.11%. Within Louisiana, Vermilion Bank & Trust Company is 50th of 103 on net interest margin, 4.28% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Vermilion Bank & Trust Company sits 0.33 points higher, at 4.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 7.02% |
| Yield on securities | 1.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.81% |
| Cost of interest-bearing deposits | 1.11% |
| Cost of interest-bearing liabilities | 1.11% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.28% |
| Yield to cost spread | 3.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $260K |
| Interest expense on deposits | $260K |
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 | 4.19% | 0.73% | 3.51% | 6.13% | 1.14% |
| Q4 2023 | 4.43% | 0.80% | 3.67% | 6.22% | 1.21% |
| Q1 2024 | 4.71% | 0.88% | 3.93% | 6.55% | 1.72% |
| Q2 2024 | 4.75% | 0.90% | 3.94% | 6.49% | 1.34% |
| Q3 2024 | 4.90% | 0.92% | 4.07% | 6.65% | 1.26% |
| Q4 2024 | 5.04% | 0.98% | 4.19% | 6.80% | 1.63% |
| Q1 2025 | 4.89% | 0.92% | 4.09% | 6.66% | 1.62% |
| Q2 2025 | 5.01% | 0.91% | 4.20% | 6.83% | 1.66% |
| Q3 2025 | 5.16% | 0.92% | 4.33% | 7.08% | 1.51% |
| Q4 2025 | 5.08% | 0.88% | 4.32% | 7.12% | 1.68% |
| Q1 2026 | 4.96% | 0.81% | 4.26% | 7.10% | 1.95% |
| Q2 2026 | 5.00% | 0.81% | 4.28% | 7.02% | 1.99% |
Vermilion 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 Vermilion 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 Vermilion Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17841) · FFIEC NIC profile (RSSD 754536)