Southwind 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 standout move of Q2 2026 was in Cost of borrowings: 3.09 percentage points lower than in Q1 2026, at 0.74%. Southwind Bank ranks 115th of 182 Kansas banks on net interest margin, in the lower half at 3.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Southwind Bank sits 0.15 points lower, at 3.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.87% |
| Yield on loans | 6.82% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.04% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | 0.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $479K |
| Interest expense on deposits | $454K |
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 | 3.99% | 1.33% | 2.76% | 5.73% | 2.62% |
| Q4 2023 | 4.18% | 1.42% | 2.86% | 6.03% | 2.74% |
| Q1 2024 | 4.37% | 1.52% | 2.95% | 6.32% | 2.67% |
| Q2 2024 | 4.43% | 1.60% | 2.95% | 6.44% | 2.72% |
| Q3 2024 | 4.62% | 1.70% | 3.04% | 6.60% | 3.06% |
| Q4 2024 | 4.44% | 1.50% | 3.09% | 6.30% | 2.79% |
| Q1 2025 | 4.58% | 1.33% | 3.35% | 6.57% | 2.66% |
| Q2 2025 | 4.69% | 1.33% | 3.46% | 6.75% | 2.64% |
| Q3 2025 | 4.79% | 1.36% | 3.53% | 6.86% | 2.64% |
| Q4 2025 | 4.87% | 1.41% | 3.60% | 6.88% | 2.72% |
| Q1 2026 | 4.75% | 1.24% | 3.58% | 6.69% | 2.77% |
| Q2 2026 | 4.87% | 1.04% | 3.80% | 6.82% | 2.78% |
Southwind 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 Southwind 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 Southwind Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4735) · FFIEC NIC profile (RSSD 276159)