Sunwest 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.
Total interest expense climbed 13.6% in Q2 2026, from $12.6M to $14.3M. It was the largest change from Q1 2026 among the key lines here. Sunwest Bank ranks 32nd of 44 Utah banks on net interest margin, in the lower half at 4.25% (Q2 2026). Sunwest Bank reported 4.25% on net interest margin for Q2 2026, 0.54 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 3.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $52.5M |
| Total interest expense | $14.3M |
| Interest expense on deposits | $10.5M |
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 | 5.63% | 1.30% | 4.44% |
| Q4 2023 | 5.81% | 1.53% | 4.39% |
| Q1 2024 | 5.89% | 1.71% | 4.31% |
| Q2 2024 | 6.18% | 1.89% | 4.44% |
| Q3 2024 | 6.33% | 1.94% | 4.57% |
| Q4 2024 | 6.16% | 1.58% | 4.75% |
| Q1 2025 | 5.76% | 1.44% | 4.48% |
| Q2 2025 | 6.02% | 1.44% | 4.70% |
| Q3 2025 | 6.28% | 1.46% | 4.94% |
| Q4 2025 | 5.94% | 1.33% | 4.73% |
| Q1 2026 | 5.54% | 1.37% | 4.27% |
| Q2 2026 | 5.63% | 1.49% | 4.25% |
Sunwest 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 Sunwest 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 Sunwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20164) · FFIEC NIC profile (RSSD 140362)