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.
Yield on securities rose 0.35 percentage points from Q1 2026 to Q2 2026, ending at 1.94% against 1.59%. It was the largest change among the key lines on this page. Northwest Bank ranks 107th of 225 Iowa banks on net interest margin, in the upper half at 3.69% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Northwest Bank reported 3.69% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 5.95% |
| Yield on securities | 1.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $36.5M |
| Total interest expense | $12.5M |
| Interest expense on deposits | $12.2M |
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 | 4.64% | 2.13% | 2.61% | 5.43% | 1.31% |
| Q4 2023 | 4.77% | 2.47% | 2.41% | 5.53% | 1.32% |
| Q1 2024 | 4.89% | 2.64% | 2.37% | 5.60% | 1.33% |
| Q2 2024 | 5.30% | 2.90% | 2.69% | 6.03% | 1.67% |
| Q3 2024 | 5.08% | 2.59% | 2.64% | 5.86% | 1.32% |
| Q4 2024 | 5.03% | 2.34% | 2.83% | 5.77% | 1.35% |
| Q1 2025 | 4.98% | 2.21% | 2.89% | 5.69% | 1.37% |
| Q2 2025 | 5.17% | 2.12% | 3.18% | 5.85% | 1.36% |
| Q3 2025 | 5.39% | 2.15% | 3.37% | 6.04% | 1.37% |
| Q4 2025 | 5.42% | 2.06% | 3.50% | 6.00% | 1.46% |
| Q1 2026 | 5.31% | 1.87% | 3.56% | 5.83% | 1.59% |
| Q2 2026 | 5.45% | 1.89% | 3.69% | 5.95% | 1.94% |
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 32647) · FFIEC NIC profile (RSSD 1387605)