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.
Total interest expense dropped 7.5% in Q2 2026, from $8.2M to $7.6M. It was the largest change from Q1 2026 among the key lines here. Within Idaho, Northwest Bank is 4th of 10 on net interest margin, 4.50% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Northwest Bank sits 0.79 points higher, at 4.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.65% |
| Yield on loans | 7.81% |
| Yield on securities | 5.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.58% |
| Cost of interest-bearing deposits | 3.08% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | 4.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.50% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.2M |
| Total interest expense | $7.6M |
| Interest expense on deposits | $6.6M |
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 | 6.91% | 3.03% | 4.30% | 8.48% | 5.11% |
| Q4 2023 | 7.20% | 3.19% | 4.44% | 8.63% | 5.90% |
| Q1 2024 | 7.42% | 3.04% | 4.79% | 8.60% | 6.00% |
| Q2 2024 | 7.43% | 3.28% | 4.64% | 8.71% | 5.75% |
| Q3 2024 | 7.76% | 3.41% | 4.85% | 9.13% | 6.09% |
| Q4 2024 | 7.41% | 3.27% | 4.57% | 8.54% | 5.97% |
| Q1 2025 | 7.17% | 3.07% | 4.54% | 8.39% | 5.82% |
| Q2 2025 | 7.35% | 3.12% | 4.65% | 8.56% | 5.81% |
| Q3 2025 | 7.24% | 3.08% | 4.62% | 8.39% | 6.02% |
| Q4 2025 | 6.87% | 3.04% | 4.32% | 8.21% | 6.24% |
| Q1 2026 | 6.70% | 2.65% | 4.43% | 7.95% | 6.08% |
| Q2 2026 | 6.65% | 2.58% | 4.50% | 7.81% | 5.77% |
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 58752) · FFIEC NIC profile (RSSD 3678857)