West Coast Community 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.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.3% between Q1 2026 and Q2 2026, to $7.8M. Among 114 California banks, West Coast Community Bank sits 6th from the top on net interest margin, 5.18% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. West Coast Community Bank sits 1.47 points higher, at 5.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.31% |
| Yield on loans | 6.91% |
| Yield on securities | 3.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.18% |
| Yield to cost spread | 4.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $38.6M |
| Total interest expense | $7.8M |
| Interest expense on deposits | $7.8M |
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 | 5.69% | 0.89% | 4.92% | 6.72% | 1.43% |
| Q4 2023 | 5.88% | 1.19% | 4.84% | 6.90% | 1.54% |
| Q1 2024 | 6.07% | 1.41% | 4.82% | 6.99% | 1.61% |
| Q2 2024 | 6.28% | 1.51% | 4.94% | 7.10% | 1.63% |
| Q3 2024 | 6.26% | 1.50% | 4.94% | 7.06% | 1.58% |
| Q4 2024 | 6.67% | 1.45% | 5.44% | 7.48% | 3.23% |
| Q1 2025 | 6.38% | 1.25% | 5.23% | 7.02% | 3.20% |
| Q2 2025 | 6.55% | 1.34% | 5.34% | 7.14% | 3.36% |
| Q3 2025 | 6.55% | 1.35% | 5.33% | 7.27% | 3.31% |
| Q4 2025 | 6.37% | 1.30% | 5.20% | 7.10% | 3.62% |
| Q1 2026 | 6.23% | 1.23% | 5.12% | 6.82% | 3.54% |
| Q2 2026 | 6.31% | 1.25% | 5.18% | 6.91% | 3.62% |
West Coast Community 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 Coast Community 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 Coast Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57591) · FFIEC NIC profile (RSSD 3235410)