First Western Bank and Trust: 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 Net interest margin, which rose 0.19 percentage points to 3.97%. Within North Dakota, First Western Bank and Trust is 24th of 60 on net interest margin, 3.97% as of Q2 2026, above the middle of the field. First Western Bank and Trust reported 3.97% on net interest margin for Q2 2026, 0.26 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.23% |
| Yield on loans | 6.62% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 2.90% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.4M |
| Total interest expense | $12.6M |
| Interest expense on deposits | $11.4M |
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 | 5.34% | 2.27% | 2.88% | 5.72% | 3.08% |
| Q4 2023 | 5.40% | 2.43% | 2.77% | 5.74% | 3.26% |
| Q1 2024 | 5.48% | 2.54% | 2.74% | 5.83% | 3.26% |
| Q2 2024 | 5.77% | 2.62% | 2.93% | 6.07% | 3.46% |
| Q3 2024 | 6.04% | 2.64% | 3.21% | 6.46% | 3.39% |
| Q4 2024 | 5.89% | 2.56% | 3.14% | 6.26% | 3.38% |
| Q1 2025 | 5.90% | 2.39% | 3.32% | 6.29% | 3.35% |
| Q2 2025 | 6.08% | 2.37% | 3.54% | 6.47% | 3.44% |
| Q3 2025 | 6.34% | 2.32% | 3.86% | 6.79% | 3.49% |
| Q4 2025 | 6.23% | 2.26% | 3.80% | 6.64% | 3.42% |
| Q1 2026 | 6.08% | 2.15% | 3.78% | 6.49% | 3.38% |
| Q2 2026 | 6.23% | 2.12% | 3.97% | 6.62% | 3.50% |
First Western Bank and Trust 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 and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19123) · FFIEC NIC profile (RSSD 687951)