Bank of Washington: 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.
Total interest expense fell 2.6% from Q1 2026 to Q2 2026, ending at $5.0M against $5.1M. It was the largest change among the key lines on this page. Bank of Washington ranks 44th of 192 Missouri banks on net interest margin, in the upper half at 4.57% (Q2 2026). Bank of Washington reported 4.57% on net interest margin for Q2 2026, 0.86 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.37% |
| Yield on loans | 6.54% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.9M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $3.9M |
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 | 7.01% | 2.53% | 5.01% | 7.26% | 2.31% |
| Q4 2023 | 7.20% | 2.68% | 4.89% | 7.40% | 2.35% |
| Q1 2024 | 7.24% | 2.83% | 4.84% | 7.47% | 2.30% |
| Q2 2024 | 7.28% | 2.76% | 4.95% | 7.47% | 2.52% |
| Q3 2024 | 7.36% | 2.80% | 4.96% | 7.60% | 2.58% |
| Q4 2024 | 7.07% | 2.59% | 4.83% | 7.27% | 2.61% |
| Q1 2025 | 6.74% | 2.54% | 4.53% | 6.94% | 2.58% |
| Q2 2025 | 6.87% | 2.47% | 4.78% | 7.06% | 2.74% |
| Q3 2025 | 6.83% | 2.36% | 4.82% | 7.04% | 2.72% |
| Q4 2025 | 7.07% | 2.27% | 5.16% | 7.30% | 2.82% |
| Q1 2026 | 6.38% | 2.20% | 4.54% | 6.60% | 2.90% |
| Q2 2026 | 6.37% | 2.15% | 4.57% | 6.54% | 3.00% |
Bank of Washington 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 Washington, 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 Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12627) · FFIEC NIC profile (RSSD 565750)