WesBanco Bank, Inc.: 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, Net interest margin edged up by 0.10 percentage points, from 3.57% to 3.67%, the largest move among the key lines here. Within West Virginia, WesBanco Bank, Inc. is 30th of 41 on net interest margin, 3.67% as of Q2 2026, below the middle of the field. At 3.67%, WesBanco Bank, Inc.'s net interest margin is close to the 3.60% median for banks in the $10B-100B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 6.01% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $288.2M |
| Total interest expense | $106.8M |
| Interest expense on deposits | $95.8M |
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 | 4.76% | 1.68% | 3.18% | 5.53% | 2.48% |
| Q4 2023 | 4.92% | 1.89% | 3.15% | 5.68% | 2.50% |
| Q1 2024 | 4.96% | 2.07% | 3.01% | 5.70% | 2.52% |
| Q2 2024 | 5.08% | 2.19% | 3.04% | 5.84% | 2.51% |
| Q3 2024 | 5.22% | 2.30% | 3.08% | 5.98% | 2.58% |
| Q4 2024 | 5.09% | 2.13% | 3.13% | 5.85% | 2.56% |
| Q1 2025 | 4.86% | 1.97% | 3.12% | 5.94% | 1.98% |
| Q2 2025 | 5.53% | 1.99% | 3.67% | 6.16% | 3.19% |
| Q3 2025 | 5.59% | 2.09% | 3.63% | 6.24% | 3.14% |
| Q4 2025 | 5.50% | 1.95% | 3.69% | 6.16% | 3.12% |
| Q1 2026 | 5.27% | 1.84% | 3.57% | 5.87% | 3.15% |
| Q2 2026 | 5.39% | 1.86% | 3.67% | 6.01% | 3.20% |
WesBanco Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock WesBanco Bank, Inc., 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 WesBanco Bank, Inc. profile, peer group comparison, or how this data updates.
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