Northwest 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: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.85%. Northwest Bank ranks 35th of 109 Pennsylvania banks on net interest margin, in the upper half at 3.85% (Q2 2026). Northwest Bank reported 3.85% on net interest margin for Q2 2026, 0.26 points above the 3.59% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 5.60% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 4.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $183.5M |
| Total interest expense | $54.1M |
| Interest expense on deposits | $50.4M |
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 | 4.62% | 1.01% | 3.45% | 5.15% | 1.76% |
| Q4 2023 | 4.79% | 1.21% | 3.39% | 5.34% | 1.76% |
| Q1 2024 | 4.88% | 1.36% | 3.31% | 5.43% | 1.80% |
| Q2 2024 | 5.04% | 1.43% | 3.39% | 5.56% | 2.10% |
| Q3 2024 | 5.23% | 1.44% | 3.55% | 5.72% | 2.45% |
| Q4 2024 | 5.21% | 1.35% | 3.63% | 5.69% | 2.54% |
| Q1 2025 | 5.36% | 1.24% | 3.90% | 5.89% | 2.59% |
| Q2 2025 | 5.06% | 1.22% | 3.63% | 5.52% | 2.66% |
| Q3 2025 | 5.22% | 1.27% | 3.75% | 5.65% | 2.77% |
| Q4 2025 | 5.29% | 1.24% | 3.83% | 5.72% | 2.94% |
| Q1 2026 | 5.15% | 1.22% | 3.76% | 5.58% | 3.15% |
| Q2 2026 | 5.22% | 1.18% | 3.85% | 5.60% | 3.23% |
Northwest 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 Northwest 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 Northwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28178) · FFIEC NIC profile (RSSD 1002878)