The New Washington State 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: Total interest expense edged up 1.9% between Q1 2026 and Q2 2026, to $3.3M. Within Indiana, The New Washington State Bank is 30th of 87 on net interest margin, 3.95% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The New Washington State Bank reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.57% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.3M |
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 | 4.78% | 1.25% | 3.60% | 5.64% | 2.43% |
| Q4 2023 | 4.94% | 1.26% | 3.70% | 5.78% | 2.45% |
| Q1 2024 | 5.00% | 1.43% | 3.56% | 5.77% | 2.53% |
| Q2 2024 | 5.20% | 1.67% | 3.62% | 5.99% | 2.59% |
| Q3 2024 | 5.34% | 1.75% | 3.69% | 6.20% | 2.70% |
| Q4 2024 | 5.49% | 1.75% | 3.83% | 6.35% | 2.81% |
| Q1 2025 | 5.40% | 1.81% | 3.66% | 6.26% | 2.88% |
| Q2 2025 | 5.51% | 1.90% | 3.70% | 6.37% | 2.91% |
| Q3 2025 | 5.61% | 1.97% | 3.72% | 6.51% | 2.95% |
| Q4 2025 | 5.33% | 1.83% | 3.61% | 6.26% | 2.95% |
| Q1 2026 | 5.67% | 1.88% | 3.87% | 6.53% | 3.57% |
| Q2 2026 | 5.74% | 1.88% | 3.95% | 6.57% | 3.50% |
The New Washington State 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 The New Washington State 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 The New Washington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13305) · FFIEC NIC profile (RSSD 305442)