Winnsboro State 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.3% to $2.3M. Within Louisiana, Winnsboro State Bank & Trust Company is 26th of 103 on net interest margin, 4.64% 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. Winnsboro State Bank & Trust Company sits 0.69 points higher, at 4.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.86% |
| Yield on loans | 7.63% |
| Yield on securities | 3.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 2.87% |
| Cost of interest-bearing liabilities | 2.89% |
| Cost of borrowings | 5.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.64% |
| Yield to cost spread | 3.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.3M |
| 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 | 5.99% | 2.10% | 4.04% | 6.65% | 2.92% |
| Q4 2023 | 6.13% | 2.31% | 4.03% | 6.84% | 2.72% |
| Q1 2024 | 6.19% | 2.46% | 3.93% | 6.98% | 2.91% |
| Q2 2024 | 6.43% | 2.67% | 3.99% | 7.21% | 3.06% |
| Q3 2024 | 6.65% | 2.86% | 4.06% | 7.41% | 3.02% |
| Q4 2024 | 6.41% | 2.74% | 3.93% | 7.15% | 3.13% |
| Q1 2025 | 6.65% | 2.58% | 4.29% | 7.48% | 3.12% |
| Q2 2025 | 6.55% | 2.62% | 4.14% | 7.47% | 3.14% |
| Q3 2025 | 6.75% | 2.66% | 4.32% | 7.65% | 3.20% |
| Q4 2025 | 6.92% | 2.50% | 4.65% | 7.67% | 3.39% |
| Q1 2026 | 6.87% | 2.41% | 4.64% | 7.66% | 3.32% |
| Q2 2026 | 6.86% | 2.42% | 4.64% | 7.63% | 3.47% |
Winnsboro State 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 Winnsboro State 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 Winnsboro State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10533) · FFIEC NIC profile (RSSD 628552)