State Bank Northwest: 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 Net interest margin, which rose 0.21 percentage points to 5.92%. On net interest margin, State Bank Northwest ranks 3rd highest among the 29 banks headquartered in Washington, at 5.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. State Bank Northwest sits 1.97 points higher, at 5.92% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.21% |
| Yield on loans | 6.75% |
| Yield on securities | 4.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.31% |
| Cost of interest-bearing deposits | 0.58% |
| Cost of interest-bearing liabilities | 0.58% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.92% |
| Yield to cost spread | 5.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $144K |
| Interest expense on deposits | $144K |
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 | 6.58% | 0.42% | 6.17% | 7.21% | 1.78% |
| Q4 2023 | 6.40% | 0.35% | 6.07% | 7.02% | 2.06% |
| Q1 2024 | 6.52% | 0.28% | 6.25% | 7.12% | 1.76% |
| Q2 2024 | 6.91% | 0.32% | 6.61% | 7.34% | 2.48% |
| Q3 2024 | 7.10% | 0.50% | 6.63% | 7.47% | 3.39% |
| Q4 2024 | 6.50% | 0.41% | 6.12% | 7.10% | 1.66% |
| Q1 2025 | 6.56% | 0.38% | 6.19% | 7.33% | 2.96% |
| Q2 2025 | 6.51% | 0.39% | 6.15% | 7.01% | 3.95% |
| Q3 2025 | 6.76% | 0.38% | 6.41% | 7.23% | 4.12% |
| Q4 2025 | 5.46% | 0.35% | 5.13% | 5.92% | 5.00% |
| Q1 2026 | 6.01% | 0.32% | 5.71% | 6.65% | 4.11% |
| Q2 2026 | 6.21% | 0.31% | 5.92% | 6.75% | 4.02% |
State Bank Northwest yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank Northwest, 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 State Bank Northwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2945) · FFIEC NIC profile (RSSD 479071)