Bankwest, Incorporated: 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 0.18 percentage points from Q1 2026 to Q2 2026, ending at 3.99% against 3.81%. It was the largest change among the key lines on this page. Within South Dakota, Bankwest, Incorporated is 25th of 56 on net interest margin, 3.99% as of Q2 2026. Bankwest, Incorporated reported 3.99% on net interest margin for Q2 2026, 0.28 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.83% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 4.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.8M |
| Total interest expense | $9.6M |
| Interest expense on deposits | $8.3M |
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 | 5.69% | 2.21% | 3.67% | 6.54% | 3.62% |
| Q4 2023 | 6.28% | 2.39% | 4.14% | 7.16% | 3.94% |
| Q1 2024 | 5.97% | 2.41% | 3.82% | 6.71% | 3.80% |
| Q2 2024 | 6.23% | 2.56% | 3.91% | 7.02% | 3.82% |
| Q3 2024 | 6.44% | 2.89% | 3.89% | 7.24% | 3.81% |
| Q4 2024 | 6.10% | 2.83% | 3.59% | 6.91% | 3.79% |
| Q1 2025 | 6.07% | 2.63% | 3.77% | 6.93% | 3.81% |
| Q2 2025 | 5.84% | 2.63% | 3.51% | 6.47% | 3.73% |
| Q3 2025 | 6.22% | 2.77% | 3.82% | 6.91% | 3.81% |
| Q4 2025 | 6.42% | 2.65% | 4.14% | 7.20% | 3.77% |
| Q1 2026 | 5.93% | 2.52% | 3.81% | 6.74% | 3.63% |
| Q2 2026 | 6.08% | 2.48% | 3.99% | 6.83% | 3.66% |
Bankwest, Incorporated 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, Incorporated, 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, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4009) · FFIEC NIC profile (RSSD 540551)