East 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 3.1% in Q2 2026 to $395.8M, the biggest move on this page. Within California, East West Bank is 81st of 114 on net interest margin, 3.41% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. East West Bank sits 0.19 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 6.01% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.79% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $874.2M |
| Total interest expense | $395.8M |
| Interest expense on deposits | $340.5M |
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 | 5.84% | 2.37% | 3.48% | 6.56% | 2.84% |
| Q4 2023 | 5.96% | 2.51% | 3.48% | 6.67% | 2.91% |
| Q1 2024 | 5.95% | 2.70% | 3.30% | 6.68% | 2.95% |
| Q2 2024 | 6.02% | 2.84% | 3.23% | 6.70% | 3.67% |
| Q3 2024 | 6.08% | 2.89% | 3.25% | 6.78% | 3.85% |
| Q4 2024 | 5.83% | 2.65% | 3.24% | 6.54% | 3.85% |
| Q1 2025 | 5.63% | 2.41% | 3.28% | 6.31% | 3.87% |
| Q2 2025 | 5.69% | 2.43% | 3.32% | 6.38% | 3.87% |
| Q3 2025 | 5.89% | 2.41% | 3.54% | 6.67% | 3.95% |
| Q4 2025 | 5.57% | 2.21% | 3.42% | 6.25% | 3.93% |
| Q1 2026 | 5.39% | 2.00% | 3.43% | 6.03% | 3.81% |
| Q2 2026 | 5.37% | 1.99% | 3.41% | 6.01% | 3.84% |
East 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 East 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 East West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31628) · FFIEC NIC profile (RSSD 197478)