Southwest Heritage 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 1.7% between Q1 2026 and Q2 2026, to $4.6M. Within Arizona, Southwest Heritage Bank is 5th of 12 on net interest margin, 3.93% 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; Southwest Heritage Bank reported 3.93% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 3.02% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.6M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $4.6M |
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 |
|---|---|---|---|
| Q3 2023 | 5.12% | 2.65% | 2.81% |
| Q4 2023 | 5.25% | 2.95% | 2.71% |
| Q1 2024 | 5.37% | 2.78% | 2.64% |
| Q2 2024 | 6.42% | 2.68% | 4.09% |
| Q3 2024 | 6.30% | 2.84% | 3.88% |
| Q4 2024 | 6.21% | 2.82% | 3.79% |
| Q1 2025 | 6.08% | 2.68% | 3.73% |
| Q2 2025 | 6.07% | 2.65% | 3.78% |
| Q3 2025 | 5.93% | 2.72% | 3.62% |
| Q4 2025 | 6.01% | 2.60% | 3.81% |
| Q1 2026 | 6.05% | 2.45% | 3.96% |
| Q2 2026 | 6.02% | 2.48% | 3.93% |
Southwest Heritage 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 Heritage 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 Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29087) · FFIEC NIC profile (RSSD 955977)