Washington State 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.14 percentage points to 4.44%. Within Louisiana, Washington State Bank is 36th of 103 on net interest margin, 4.44% as of Q2 2026, above the middle of the field. Washington State Bank reported 4.44% on net interest margin for Q2 2026, 0.49 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.41% | 1.73% | 3.80% |
| Q4 2023 | 5.55% | 2.06% | 3.66% |
| Q1 2024 | 5.63% | 2.10% | 3.67% |
| Q2 2024 | 5.84% | 2.08% | 3.92% |
| Q3 2024 | 6.09% | 2.38% | 3.89% |
| Q4 2024 | 5.88% | 2.19% | 3.89% |
| Q1 2025 | 5.77% | 2.04% | 3.89% |
| Q2 2025 | 5.82% | 1.96% | 4.05% |
| Q3 2025 | 6.31% | 1.96% | 4.51% |
| Q4 2025 | 5.97% | 1.91% | 4.22% |
| Q1 2026 | 5.85% | 1.67% | 4.30% |
| Q2 2026 | 5.99% | 1.64% | 4.44% |
Washington State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9326) · FFIEC NIC profile (RSSD 311939)