WebBank: 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 climbed 1.19 percentage points in Q2 2026, from 15.84% to 17.03%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, WebBank ranks 4th highest among the 44 banks headquartered in Utah, at 17.03% (Q2 2026). WebBank's net interest margin of 17.03% is well above the 3.71% median for banks in the $1B-10B asset tier, a gap of 13.32 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 20.05% |
| Yield on loans | 22.21% |
| Yield on securities | 6.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.40% |
| Cost of interest-bearing deposits | 3.78% |
| Cost of interest-bearing liabilities | 3.78% |
| Cost of borrowings | 5.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 17.03% |
| Yield to cost spread | 16.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $122.0M |
| Total interest expense | $19.1M |
| Interest expense on deposits | $19.0M |
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 | 15.52% | 4.24% | 11.78% | 17.05% | 8.70% |
| Q4 2023 | 15.70% | 4.76% | 11.52% | 17.58% | 8.32% |
| Q1 2024 | 16.76% | 4.88% | 12.52% | 18.86% | 8.16% |
| Q2 2024 | 18.23% | 4.98% | 13.99% | 20.63% | 8.13% |
| Q3 2024 | 18.29% | 5.12% | 13.96% | 21.00% | 8.25% |
| Q4 2024 | 19.59% | 4.64% | 15.59% | 21.32% | 9.19% |
| Q1 2025 | 20.28% | 4.19% | 16.79% | 22.38% | 7.11% |
| Q2 2025 | 20.90% | 4.07% | 17.42% | 23.19% | 7.13% |
| Q3 2025 | 20.09% | 4.01% | 16.58% | 22.66% | 7.04% |
| Q4 2025 | 19.96% | 3.86% | 16.57% | 22.09% | 7.68% |
| Q1 2026 | 18.92% | 3.56% | 15.84% | 21.52% | 6.88% |
| Q2 2026 | 20.05% | 3.40% | 17.03% | 22.21% | 6.59% |
WebBank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock WebBank, 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 WebBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34404) · FFIEC NIC profile (RSSD 2576134)