Charter West 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.
Compared with Q1 2026, Total interest expense rose 5.9% in Q2 2026 to $3.2M, the biggest move on this page. Charter West Bank ranks 43rd of 138 Nebraska banks on net interest margin, in the upper half at 4.17% (Q2 2026). Charter West Bank reported 4.17% on net interest margin for Q2 2026, 0.22 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.68% |
| Yield on loans | 7.29% |
| Yield on securities | 2.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.58% |
| Cost of interest-bearing deposits | 2.99% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | 3.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $3.1M |
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 | 6.27% | 2.21% | 4.14% | 6.87% | 1.84% |
| Q4 2023 | 6.49% | 2.53% | 4.05% | 7.04% | 1.89% |
| Q1 2024 | 6.44% | 2.71% | 3.80% | 7.08% | 1.90% |
| Q2 2024 | 6.75% | 2.79% | 4.04% | 7.30% | 1.83% |
| Q3 2024 | 6.76% | 2.93% | 3.91% | 7.42% | 1.90% |
| Q4 2024 | 6.78% | 2.74% | 4.10% | 7.39% | 1.85% |
| Q1 2025 | 6.55% | 2.68% | 3.92% | 7.24% | 1.92% |
| Q2 2025 | 6.85% | 2.74% | 4.17% | 7.41% | 1.94% |
| Q3 2025 | 6.89% | 2.75% | 4.18% | 7.46% | 2.04% |
| Q4 2025 | 6.96% | 2.68% | 4.33% | 7.52% | 2.09% |
| Q1 2026 | 6.51% | 2.54% | 4.02% | 7.12% | 2.12% |
| Q2 2026 | 6.68% | 2.58% | 4.17% | 7.29% | 2.17% |
Charter West 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 Charter West 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 Charter West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26185) · FFIEC NIC profile (RSSD 582953)