Commercewest 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.
Yield on securities rose 0.42 percentage points from Q1 2026 to Q2 2026, ending at 3.45% against 3.03%. It was the largest change among the key lines on this page. Commercewest Bank ranks 97th of 114 California banks on net interest margin, in the lower half at 3.13% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Commercewest Bank sits 0.58 points lower, at 3.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.35% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.1M |
| Total interest expense | $4.7M |
| Interest expense on deposits | $4.7M |
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 | 4.93% | 0.79% | 4.01% | 5.32% | 2.55% |
| Q4 2023 | 5.00% | 2.33% | 2.07% | 5.45% | 2.68% |
| Q1 2024 | 4.91% | 1.39% | 3.24% | 5.33% | 2.72% |
| Q2 2024 | 5.03% | 1.55% | 3.19% | 5.42% | 2.88% |
| Q3 2024 | 5.06% | 1.67% | 3.07% | 5.43% | 2.95% |
| Q4 2024 | 5.13% | 1.50% | 3.31% | 5.66% | 3.09% |
| Q1 2025 | 5.03% | 1.40% | 3.33% | 5.51% | 3.07% |
| Q2 2025 | 5.06% | 1.52% | 3.23% | 5.57% | 2.95% |
| Q3 2025 | 5.11% | 1.53% | 3.33% | 5.64% | 2.98% |
| Q4 2025 | 4.92% | 1.38% | 3.31% | 5.50% | 2.97% |
| Q1 2026 | 4.73% | 1.35% | 3.16% | 5.31% | 3.03% |
| Q2 2026 | 4.73% | 1.35% | 3.13% | 5.35% | 3.45% |
Commercewest 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 Commercewest 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 Commercewest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57176) · FFIEC NIC profile (RSSD 3052813)