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.
In Q2 2026, Yield on loans edged down by 0.18 percentage points, from 5.23% to 5.05%, the largest move among the key lines here. Washington State Bank has the 4th lowest net interest margin of the 323 banks headquartered in Illinois, at 2.24% as of Q2 2026. Washington State Bank reported 2.24% on net interest margin for Q2 2026, 1.63 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.00% |
| Yield on loans | 5.05% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 266.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.24% |
| Yield to cost spread | 1.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $382K |
| Total interest expense | $354K |
| Interest expense on deposits | $338K |
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 | 3.72% | 1.51% | 2.34% | 5.34% | 2.22% |
| Q4 2023 | 3.51% | 1.52% | 2.11% | 4.79% | 2.38% |
| Q1 2024 | 3.59% | 1.81% | 1.92% | 4.84% | 2.58% |
| Q2 2024 | 3.65% | 1.81% | 1.98% | 4.90% | 2.68% |
| Q3 2024 | 3.77% | 1.84% | 2.06% | 5.10% | 2.76% |
| Q4 2024 | 3.81% | 1.81% | 2.14% | 5.11% | 2.92% |
| Q1 2025 | 3.80% | 1.84% | 2.11% | 4.97% | 3.07% |
| Q2 2025 | 3.91% | 1.99% | 2.12% | 5.16% | 3.13% |
| Q3 2025 | 4.01% | 2.01% | 2.22% | 5.24% | 3.10% |
| Q4 2025 | 3.91% | 2.05% | 2.00% | 5.31% | 2.70% |
| Q1 2026 | 4.13% | 1.98% | 2.30% | 5.23% | 3.24% |
| Q2 2026 | 4.00% | 1.94% | 2.24% | 5.05% | 3.31% |
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 16667) · FFIEC NIC profile (RSSD 480246)