Southwest Capital 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.
In Q2 2026, Yield on securities edged down by 0.16 percentage points, from 3.15% to 2.99%, the largest move among the key lines here. Within New Mexico, Southwest Capital Bank is 18th of 29 on net interest margin, 4.16% as of Q2 2026, below the middle of the field. Southwest Capital Bank reported 4.16% on net interest margin for Q2 2026, 0.21 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.80% |
| Yield on loans | 6.47% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.69% |
| Cost of interest-bearing deposits | 1.09% |
| Cost of interest-bearing liabilities | 1.09% |
| Cost of borrowings | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $741K |
| Interest expense on deposits | $739K |
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 | 4.57% | 0.73% | 3.90% | 6.29% | 3.21% |
| Q4 2023 | 4.84% | 0.97% | 3.94% | 6.32% | 3.46% |
| Q1 2024 | 4.68% | 0.89% | 3.85% | 6.11% | 3.36% |
| Q2 2024 | 4.67% | 0.99% | 3.74% | 6.07% | 3.40% |
| Q3 2024 | 5.12% | 0.88% | 4.30% | 7.06% | 3.30% |
| Q4 2024 | 5.12% | 0.62% | 4.55% | 7.51% | 3.14% |
| Q1 2025 | 4.68% | 0.51% | 4.20% | 6.58% | 3.04% |
| Q2 2025 | 4.70% | 0.54% | 4.19% | 6.42% | 2.99% |
| Q3 2025 | 4.76% | 0.54% | 4.26% | 6.60% | 2.89% |
| Q4 2025 | 5.18% | 0.52% | 4.69% | 7.38% | 3.30% |
| Q1 2026 | 4.67% | 0.58% | 4.12% | 6.38% | 3.15% |
| Q2 2026 | 4.80% | 0.69% | 4.16% | 6.47% | 2.99% |
Southwest Capital 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 Southwest Capital 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 Southwest Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12258) · FFIEC NIC profile (RSSD 206156)