City National Bank of West Virginia: 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: Total interest expense edged up 1.6% between Q1 2026 and Q2 2026, to $19.4M. City National Bank of West Virginia ranks 23rd of 41 West Virginia banks on net interest margin, in the lower half at 3.89% (Q2 2026). City National Bank of West Virginia reported 3.89% on net interest margin for Q2 2026, 0.18 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 5.74% |
| Yield on securities | 3.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 1.52% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | 3.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $64.6M |
| Total interest expense | $19.4M |
| Interest expense on deposits | $14.9M |
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 | 4.95% | 0.97% | 3.93% | 5.61% | 2.74% |
| Q4 2023 | 5.07% | 1.14% | 3.86% | 5.68% | 2.78% |
| Q1 2024 | 5.14% | 1.25% | 3.81% | 5.76% | 2.78% |
| Q2 2024 | 5.20% | 1.37% | 3.74% | 5.78% | 3.11% |
| Q3 2024 | 5.33% | 1.45% | 3.80% | 5.94% | 3.16% |
| Q4 2024 | 5.22% | 1.47% | 3.69% | 5.85% | 3.14% |
| Q1 2025 | 5.13% | 1.34% | 3.71% | 5.69% | 3.23% |
| Q2 2025 | 5.25% | 1.32% | 3.86% | 5.81% | 3.48% |
| Q3 2025 | 5.36% | 1.30% | 3.99% | 5.91% | 3.49% |
| Q4 2025 | 5.25% | 1.27% | 3.91% | 5.77% | 3.55% |
| Q1 2026 | 5.10% | 1.15% | 3.86% | 5.66% | 3.47% |
| Q2 2026 | 5.13% | 1.17% | 3.89% | 5.74% | 3.44% |
City National Bank of West Virginia yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock City National Bank of West Virginia, 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 City National Bank of West Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17735) · FFIEC NIC profile (RSSD 1011526)