Southwest National 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 7.0% to $1.9M. Within Kansas, Southwest National Bank is 28th of 182 on net interest margin, 4.55% 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 National Bank sits 0.60 points higher, at 4.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.23% |
| Yield on loans | 6.47% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 3.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 4.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.6M |
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 | 5.68% | 2.09% | 3.71% | 5.95% | 2.27% |
| Q4 2023 | 5.96% | 2.39% | 3.69% | 6.21% | 2.30% |
| Q1 2024 | 6.10% | 2.53% | 3.67% | 6.34% | 2.71% |
| Q2 2024 | 6.09% | 2.52% | 3.70% | 6.32% | 2.58% |
| Q3 2024 | 6.13% | 2.59% | 3.66% | 6.41% | 2.33% |
| Q4 2024 | 6.40% | 2.49% | 4.05% | 6.71% | 2.20% |
| Q1 2025 | 6.34% | 2.31% | 4.17% | 6.61% | 2.59% |
| Q2 2025 | 6.33% | 2.23% | 4.25% | 6.63% | 2.59% |
| Q3 2025 | 6.33% | 2.16% | 4.30% | 6.71% | 2.43% |
| Q4 2025 | 6.38% | 2.04% | 4.46% | 6.79% | 2.44% |
| Q1 2026 | 6.09% | 1.84% | 4.33% | 6.45% | 2.70% |
| Q2 2026 | 6.23% | 1.76% | 4.55% | 6.47% | 2.70% |
Southwest National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4801) · FFIEC NIC profile (RSSD 499855)