Wellington 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.
Net interest margin rose 0.33 percentage points from Q1 2026 to Q2 2026, ending at 4.03% against 3.70%. It was the largest change among the key lines on this page. Within Texas, Wellington State Bank is 194th of 345 on net interest margin, 4.03% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Wellington State Bank reported 4.03% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 7.46% |
| Yield on securities | 3.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| 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 | 4.03% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 5.69% | 2.16% | 3.57% | 7.16% | 2.63% |
| Q4 2023 | 5.66% | 2.50% | 3.31% | 7.31% | 2.44% |
| Q1 2024 | 5.74% | 2.00% | 3.25% | 7.25% | 2.72% |
| Q2 2024 | 5.97% | 2.56% | 3.44% | 7.35% | 2.70% |
| Q3 2024 | 6.13% | 2.57% | 3.61% | 7.72% | 2.78% |
| Q4 2024 | 6.04% | 2.35% | 3.84% | 7.72% | 2.73% |
| Q1 2025 | 5.62% | 2.08% | 3.54% | 6.94% | 3.19% |
| Q2 2025 | 5.87% | 2.05% | 3.85% | 7.28% | 3.17% |
| Q3 2025 | 5.34% | 2.04% | 3.39% | 6.85% | 2.89% |
| Q4 2025 | 5.37% | 2.04% | 3.46% | 7.00% | 3.00% |
| Q1 2026 | 5.47% | 1.87% | 3.70% | 7.07% | 3.32% |
| Q2 2026 | 5.74% | 1.76% | 4.03% | 7.46% | 3.39% |
Wellington 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 Wellington 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 Wellington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1219) · FFIEC NIC profile (RSSD 371362)