First Southwest 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged down 0.18 percentage points between Q1 2026 and Q2 2026, to 3.50%. First Southwest Bank ranks 52nd of 63 Colorado banks on net interest margin, in the lower half at 3.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Southwest Bank sits 0.65 points lower, at 3.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.26% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 2.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.30% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.2M |
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 | 4.42% | 1.17% | 3.46% | 5.59% | 2.83% |
| Q4 2023 | 4.37% | 1.30% | 3.37% | 5.63% | 2.52% |
| Q1 2024 | 4.58% | 1.55% | 3.30% | 5.69% | 2.83% |
| Q2 2024 | 4.78% | 1.46% | 3.48% | 5.84% | 2.93% |
| Q3 2024 | 4.96% | 1.59% | 3.54% | 6.29% | 2.88% |
| Q4 2024 | 4.96% | 1.85% | 3.35% | 6.27% | 2.80% |
| Q1 2025 | 4.68% | 1.99% | 3.08% | 6.07% | 2.69% |
| Q2 2025 | 4.98% | 2.09% | 3.12% | 6.18% | 3.43% |
| Q3 2025 | 5.06% | 2.12% | 3.19% | 6.21% | 3.67% |
| Q4 2025 | 5.12% | 2.04% | 3.30% | 6.25% | 3.77% |
| Q1 2026 | 4.96% | 1.95% | 3.23% | 6.14% | 3.68% |
| Q2 2026 | 4.99% | 1.96% | 3.30% | 6.26% | 3.50% |
First Southwest 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 First Southwest 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 First Southwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57741) · FFIEC NIC profile (RSSD 3224302)