Bankwest: 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 rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 4.39% against 4.25%. It was the largest change among the key lines on this page. Bankwest ranks 63rd of 221 Minnesota banks on net interest margin, in the upper half at 4.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Bankwest sits 0.45 points higher, at 4.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 6.84% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.33% |
| Cost of interest-bearing liabilities | 1.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $541K |
| Interest expense on deposits | $541K |
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 | 3.82% | 0.79% | 3.06% | 6.10% | 1.97% |
| Q4 2023 | 3.98% | 0.89% | 3.13% | 6.26% | 2.00% |
| Q1 2024 | 4.20% | 1.10% | 3.14% | 6.37% | 1.96% |
| Q2 2024 | 4.37% | 1.13% | 3.28% | 6.59% | 2.05% |
| Q3 2024 | 4.49% | 1.22% | 3.34% | 6.73% | 2.03% |
| Q4 2024 | 4.51% | 1.19% | 3.39% | 6.60% | 2.15% |
| Q1 2025 | 4.59% | 1.17% | 3.48% | 6.51% | 2.34% |
| Q2 2025 | 4.93% | 1.15% | 3.82% | 6.82% | 2.58% |
| Q3 2025 | 5.08% | 1.16% | 3.98% | 6.95% | 2.79% |
| Q4 2025 | 5.20% | 1.11% | 4.15% | 6.90% | 3.00% |
| Q1 2026 | 5.25% | 1.06% | 4.25% | 6.80% | 3.09% |
| Q2 2026 | 5.33% | 1.00% | 4.39% | 6.84% | 3.15% |
Bankwest yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwest, 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 Bankwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16704) · FFIEC NIC profile (RSSD 791353)