Cashmere Valley 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 3.21%. Cashmere Valley Bank ranks 20th of 29 Washington banks on net interest margin, in the lower half at 3.21% (Q2 2026). Cashmere Valley Bank reported 3.21% on net interest margin for Q2 2026, 0.50 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.66% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.9M |
| Total interest expense | $8.0M |
| Interest expense on deposits | $7.3M |
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 |
|---|---|---|---|
| Q3 2023 | 4.31% | 0.93% | 3.34% |
| Q4 2023 | 4.49% | 1.18% | 3.41% |
| Q1 2024 | 4.59% | 1.55% | 3.18% |
| Q2 2024 | 4.69% | 1.71% | 3.14% |
| Q3 2024 | 4.89% | 1.76% | 3.29% |
| Q4 2024 | 4.70% | 1.67% | 3.18% |
| Q1 2025 | 4.66% | 1.61% | 3.20% |
| Q2 2025 | 4.77% | 1.65% | 3.28% |
| Q3 2025 | 4.83% | 1.71% | 3.29% |
| Q4 2025 | 4.85% | 1.71% | 3.32% |
| Q1 2026 | 4.55% | 1.61% | 3.10% |
| Q2 2026 | 4.66% | 1.60% | 3.21% |
Cashmere Valley 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 Cashmere Valley 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 Cashmere Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1265) · FFIEC NIC profile (RSSD 574976)