Wells Fargo National Bank West: 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, Total interest expense edged down by 1.2%, from $39.4M to $39.0M, the largest move among the key lines here. On net interest margin, Wells Fargo National Bank West is 2nd from the bottom among 14 Nevada banks, 1.61% (Q2 2026). Against a median of 3.71% for banks in the $1B-10B asset tier, Wells Fargo National Bank West reported 1.61% on net interest margin in Q2 2026, 2.10 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.39% |
| Yield on loans | 3.80% |
| Yield on securities | 2.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.27% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.61% |
| Yield to cost spread | 1.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $45.8M |
| Total interest expense | $39.0M |
| Interest expense on deposits | $39.0M |
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 | 4.01% | 4.17% | 0.31% | 3.48% | 3.27% |
| Q4 2023 | 4.48% | 4.04% | 0.89% | 3.62% | 4.10% |
| Q1 2024 | 4.44% | 3.63% | 1.29% | 3.65% | 4.03% |
| Q2 2024 | 4.41% | 3.35% | 1.58% | 3.72% | 4.05% |
| Q3 2024 | 4.14% | 3.22% | 1.48% | 3.73% | 3.92% |
| Q4 2024 | 3.94% | 2.91% | 1.50% | 3.73% | 3.45% |
| Q1 2025 | 3.74% | 2.71% | 1.52% | 3.77% | 2.90% |
| Q2 2025 | 3.74% | 2.70% | 1.55% | 3.82% | 2.89% |
| Q3 2025 | 3.73% | 2.68% | 1.60% | 3.80% | 2.96% |
| Q4 2025 | 3.53% | 2.43% | 1.59% | 3.75% | 2.62% |
| Q1 2026 | 3.40% | 2.24% | 1.62% | 3.77% | 2.22% |
| Q2 2026 | 3.39% | 2.27% | 1.61% | 3.80% | 2.21% |
Wells Fargo National Bank West yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wells Fargo National Bank West, 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 Wells Fargo National Bank West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27389) · FFIEC NIC profile (RSSD 1225761)