Bankwell Bank: 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 Net interest margin, which rose 0.27 percentage points to 3.68%. Bankwell Bank ranks 7th of 27 Connecticut banks on net interest margin, in the upper half at 3.68% (Q2 2026). At 3.68%, Bankwell Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.33% |
| Yield on loans | 6.66% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.93% |
| Cost of interest-bearing deposits | 3.37% |
| Cost of interest-bearing liabilities | 3.39% |
| Cost of borrowings | 3.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $48.4M |
| Total interest expense | $21.9M |
| Interest expense on deposits | $21.3M |
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 | 6.04% | 3.39% | 2.95% | 6.34% | 2.84% |
| Q4 2023 | 6.23% | 3.65% | 2.92% | 6.44% | 3.03% |
| Q1 2024 | 6.20% | 3.68% | 2.83% | 6.43% | 3.00% |
| Q2 2024 | 6.16% | 3.68% | 2.86% | 6.47% | 3.06% |
| Q3 2024 | 6.25% | 3.85% | 2.81% | 6.62% | 3.45% |
| Q4 2024 | 6.13% | 3.85% | 2.71% | 6.44% | 3.62% |
| Q1 2025 | 6.17% | 3.58% | 2.93% | 6.51% | 3.68% |
| Q2 2025 | 6.27% | 3.39% | 3.21% | 6.65% | 3.91% |
| Q3 2025 | 6.54% | 3.36% | 3.48% | 6.89% | 3.83% |
| Q4 2025 | 6.35% | 3.19% | 3.50% | 6.74% | 4.25% |
| Q1 2026 | 6.21% | 3.05% | 3.41% | 6.57% | 3.58% |
| Q2 2026 | 6.33% | 2.93% | 3.68% | 6.66% | 3.67% |
Bankwell Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwell Bank, 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 Bankwell Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57368) · FFIEC NIC profile (RSSD 3109043)