Washington Financial 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 2.1% between Q1 2026 and Q2 2026, to $5.1M. Washington Financial Bank ranks 51st of 109 Pennsylvania banks on net interest margin, in the upper half at 3.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Washington Financial Bank sits 0.14 points lower, at 3.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | 5.21% |
| Yield on securities | 4.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.57% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.0M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $5.0M |
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 | 4.15% | 2.00% | 2.35% | 5.00% | 2.21% |
| Q4 2023 | 4.26% | 2.22% | 2.25% | 5.09% | 2.15% |
| Q1 2024 | 4.45% | 2.20% | 2.46% | 5.27% | 2.23% |
| Q2 2024 | 4.42% | 2.28% | 2.38% | 5.20% | 2.30% |
| Q3 2024 | 4.47% | 2.31% | 2.41% | 5.23% | 2.32% |
| Q4 2024 | 4.55% | 2.28% | 2.49% | 5.08% | 2.97% |
| Q1 2025 | 4.65% | 1.99% | 2.86% | 5.11% | 3.16% |
| Q2 2025 | 4.67% | 1.94% | 2.96% | 5.13% | 3.19% |
| Q3 2025 | 4.76% | 1.96% | 3.02% | 5.22% | 3.29% |
| Q4 2025 | 4.94% | 1.92% | 3.23% | 5.24% | 4.17% |
| Q1 2026 | 4.97% | 1.68% | 3.48% | 5.17% | 4.40% |
| Q2 2026 | 5.03% | 1.65% | 3.57% | 5.21% | 4.56% |
Washington Financial 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 Washington Financial 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 Washington Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29520) · FFIEC NIC profile (RSSD 282075)