First Western 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 7.0% to $4.5M. First Western Bank ranks 46th of 78 Arkansas banks on net interest margin, in the lower half at 3.97% (Q2 2026). At 3.97%, First Western Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.40% |
| Yield on loans | 6.83% |
| Yield on securities | 3.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.0M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $4.0M |
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 | 5.97% | 2.16% | 4.00% | 6.50% | 1.82% |
| Q4 2023 | 5.93% | 2.41% | 3.63% | 6.43% | 1.83% |
| Q1 2024 | 6.13% | 2.70% | 3.56% | 6.67% | 1.79% |
| Q2 2024 | 6.28% | 2.72% | 3.68% | 6.81% | 1.78% |
| Q3 2024 | 6.41% | 2.89% | 3.64% | 6.98% | 2.18% |
| Q4 2024 | 6.42% | 2.94% | 3.60% | 7.06% | 2.81% |
| Q1 2025 | 6.32% | 2.78% | 3.65% | 6.94% | 2.83% |
| Q2 2025 | 6.50% | 2.79% | 3.83% | 7.10% | 2.95% |
| Q3 2025 | 6.46% | 2.65% | 3.93% | 7.09% | 3.02% |
| Q4 2025 | 6.67% | 2.55% | 4.23% | 7.26% | 3.19% |
| Q1 2026 | 6.42% | 2.45% | 4.07% | 6.90% | 3.40% |
| Q2 2026 | 6.40% | 2.52% | 3.97% | 6.83% | 3.46% |
First Western 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 Western 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 Western Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13083) · FFIEC NIC profile (RSSD 34742)