Community 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.
The standout move of Q2 2026 was in Total interest expense: 29.2% higher than in Q1 2026, at $14.3M. Community West Bank ranks 16th of 114 California banks on net interest margin, in the upper half at 4.64% (Q2 2026). Community West Bank reported 4.64% on net interest margin for Q2 2026, 0.93 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.73% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.64% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $58.6M |
| Total interest expense | $14.3M |
| Interest expense on deposits | $13.7M |
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 | 4.50% | 0.92% | 3.66% | 5.58% | 3.02% |
| Q4 2023 | 4.54% | 0.91% | 3.72% | 5.65% | 3.06% |
| Q1 2024 | 4.53% | 1.08% | 3.55% | 5.69% | 2.94% |
| Q2 2024 | 5.44% | 1.94% | 3.71% | 6.50% | 2.92% |
| Q3 2024 | 5.54% | 1.91% | 3.82% | 6.56% | 2.88% |
| Q4 2024 | 5.60% | 1.66% | 4.07% | 6.64% | 2.84% |
| Q1 2025 | 5.56% | 1.60% | 4.08% | 6.59% | 2.76% |
| Q2 2025 | 5.62% | 1.55% | 4.19% | 6.68% | 2.69% |
| Q3 2025 | 5.65% | 1.45% | 4.33% | 6.70% | 2.69% |
| Q4 2025 | 5.67% | 1.42% | 4.37% | 6.71% | 2.65% |
| Q1 2026 | 5.66% | 1.40% | 4.37% | 6.62% | 2.64% |
| Q2 2026 | 5.91% | 1.42% | 4.64% | 6.73% | 2.96% |
Community 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 Community 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 Community West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23030) · FFIEC NIC profile (RSSD 703767)