Bank Northwest: 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.
Net interest margin climbed 0.61 percentage points in Q2 2026, from 5.48% to 6.09%. It was the largest change from Q1 2026 among the key lines here. Among 191 Missouri banks, Bank Northwest sits 4th from the top on net interest margin, 6.09% as of Q2 2026. Against a median of 3.94% for banks in the $100M-1B asset tier, Bank Northwest reported 6.09% on net interest margin in Q2 2026, 2.15 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.50% |
| Yield on loans | 8.27% |
| Yield on securities | 4.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 2.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.09% |
| Yield to cost spread | 5.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $725K |
| Interest expense on deposits | $723K |
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% | 1.16% | 4.89% | 6.75% | 2.43% |
| Q4 2023 | 6.17% | 1.40% | 4.85% | 6.88% | 2.50% |
| Q1 2024 | 6.46% | 1.38% | 5.13% | 7.15% | 2.52% |
| Q2 2024 | 6.79% | 1.63% | 5.25% | 7.51% | 2.59% |
| Q3 2024 | 6.89% | 1.89% | 5.13% | 7.63% | 2.56% |
| Q4 2024 | 6.80% | 1.72% | 5.20% | 7.56% | 2.73% |
| Q1 2025 | 6.91% | 1.58% | 5.41% | 7.66% | 2.84% |
| Q2 2025 | 7.12% | 1.64% | 5.57% | 7.86% | 3.78% |
| Q3 2025 | 7.27% | 1.66% | 5.72% | 7.99% | 3.75% |
| Q4 2025 | 6.89% | 1.70% | 5.28% | 7.58% | 3.81% |
| Q1 2026 | 6.88% | 1.48% | 5.48% | 7.66% | 3.98% |
| Q2 2026 | 7.50% | 1.51% | 6.09% | 8.27% | 4.22% |
Bank Northwest yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Northwest, 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 Bank Northwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16601) · FFIEC NIC profile (RSSD 645157)