Bank of the West: 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: Yield on loans edged up 0.19 percentage points between Q1 2026 and Q2 2026, to 7.11%. Within Texas, Bank of the West is 128th of 345 on net interest margin, 4.35% as of Q2 2026, above the middle of the field. Bank of the West reported 4.35% on net interest margin for Q2 2026, 0.40 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 7.11% |
| Yield on securities | 3.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $3.1M |
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 | 5.77% | 1.39% | 4.45% | 6.36% | 3.30% |
| Q4 2023 | 5.89% | 1.62% | 4.32% | 6.47% | 3.28% |
| Q1 2024 | 5.77% | 1.75% | 4.03% | 6.35% | 3.27% |
| Q2 2024 | 5.89% | 1.76% | 4.16% | 6.53% | 3.44% |
| Q3 2024 | 6.07% | 1.79% | 4.34% | 6.83% | 3.31% |
| Q4 2024 | 6.01% | 1.63% | 4.45% | 6.88% | 3.38% |
| Q1 2025 | 5.92% | 1.60% | 4.37% | 6.75% | 3.59% |
| Q2 2025 | 6.11% | 1.71% | 4.50% | 6.98% | 3.78% |
| Q3 2025 | 6.32% | 1.72% | 4.68% | 7.23% | 3.65% |
| Q4 2025 | 6.13% | 1.70% | 4.53% | 7.26% | 3.71% |
| Q1 2026 | 5.82% | 1.64% | 4.26% | 6.92% | 3.75% |
| Q2 2026 | 5.95% | 1.68% | 4.35% | 7.11% | 3.85% |
Bank of the West 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 of the West, 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 of the West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26627) · FFIEC NIC profile (RSSD 859552)