West 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, Net interest margin edged up by 0.12 percentage points, from 2.65% to 2.77%, the largest move among the key lines here. On net interest margin, West Bank is 15th from the bottom among 225 Iowa banks, 2.77% (Q2 2026). West Bank reported 2.77% on net interest margin for Q2 2026, 0.94 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 5.64% |
| Yield on securities | 1.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | 3.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.77% |
| Yield to cost spread | 2.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $41.8M |
| Total interest expense | $21.5M |
| Interest expense on deposits | $19.2M |
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 | 4.56% | 2.43% | 2.05% | 5.23% | 2.06% |
| Q4 2023 | 4.69% | 2.61% | 2.00% | 5.36% | 2.08% |
| Q1 2024 | 4.79% | 2.71% | 1.99% | 5.46% | 2.06% |
| Q2 2024 | 4.92% | 2.87% | 1.96% | 5.57% | 2.03% |
| Q3 2024 | 5.02% | 2.90% | 2.03% | 5.69% | 1.99% |
| Q4 2024 | 4.90% | 2.73% | 2.09% | 5.56% | 1.94% |
| Q1 2025 | 4.81% | 2.39% | 2.34% | 5.44% | 1.90% |
| Q2 2025 | 4.90% | 2.48% | 2.35% | 5.58% | 1.89% |
| Q3 2025 | 5.02% | 2.74% | 2.47% | 5.71% | 1.89% |
| Q4 2025 | 4.94% | 2.53% | 2.59% | 5.64% | 1.82% |
| Q1 2026 | 4.85% | 2.36% | 2.65% | 5.52% | 1.77% |
| Q2 2026 | 4.96% | 2.37% | 2.77% | 5.64% | 1.78% |
West 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 West 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 West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15614) · FFIEC NIC profile (RSSD 139740)