Warren Bank and Trust Company: 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.
Net interest margin rose 0.36 percentage points from Q1 2026 to Q2 2026, ending at 3.66% against 3.30%. It was the largest change among the key lines on this page. Within Arkansas, Warren Bank and Trust Company is 66th of 78 on net interest margin, 3.66% as of Q2 2026, below the middle of the field. Warren Bank and Trust Company reported 3.66% on net interest margin for Q2 2026, 0.29 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 7.11% |
| Yield on securities | 1.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $567K |
| Interest expense on deposits | $539K |
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 | 3.44% | 1.62% | 2.03% | 5.33% | 1.45% |
| Q4 2023 | 3.74% | 2.15% | 1.85% | 5.78% | 1.46% |
| Q1 2024 | 3.77% | 2.30% | 1.74% | 6.01% | 1.35% |
| Q2 2024 | 3.95% | 2.29% | 1.95% | 6.38% | 1.22% |
| Q3 2024 | 4.34% | 2.50% | 2.17% | 6.65% | 1.53% |
| Q4 2024 | 4.30% | 2.33% | 2.26% | 6.73% | 1.07% |
| Q1 2025 | 4.42% | 2.26% | 2.43% | 6.93% | 1.17% |
| Q2 2025 | 4.66% | 2.32% | 2.63% | 6.82% | 1.20% |
| Q3 2025 | 4.71% | 2.16% | 2.83% | 7.00% | 1.22% |
| Q4 2025 | 5.43% | 1.95% | 3.76% | 7.94% | 1.28% |
| Q1 2026 | 4.90% | 1.87% | 3.30% | 6.79% | 1.33% |
| Q2 2026 | 5.26% | 1.85% | 3.66% | 7.11% | 1.40% |
Warren Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Warren Bank and Trust Company, 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 Warren Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 81) · FFIEC NIC profile (RSSD 748441)