West Gate 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 standout move of Q2 2026 was in Total interest expense: 12.8% higher than in Q1 2026, at $8.5M. Within Nebraska, West Gate Bank is 97th of 138 on net interest margin, 3.54% as of Q2 2026. West Gate Bank reported 3.54% on net interest margin for Q2 2026, 0.17 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.89% |
| Yield on loans | 6.21% |
| Yield on securities | 4.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.47% |
| Cost of interest-bearing deposits | 2.97% |
| Cost of interest-bearing liabilities | 3.27% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.5M |
| Total interest expense | $8.5M |
| Interest expense on deposits | $7.3M |
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 | 6.00% | 2.84% | 3.26% | 6.18% | 5.50% |
| Q4 2023 | 6.13% | 2.98% | 3.27% | 6.29% | 5.67% |
| Q1 2024 | 6.10% | 3.07% | 3.21% | 6.29% | 5.50% |
| Q2 2024 | 6.32% | 3.12% | 3.34% | 6.51% | 5.70% |
| Q3 2024 | 6.60% | 3.25% | 3.51% | 6.80% | 5.95% |
| Q4 2024 | 5.84% | 2.92% | 3.07% | 6.07% | 5.01% |
| Q1 2025 | 5.52% | 2.50% | 3.14% | 5.74% | 4.62% |
| Q2 2025 | 5.77% | 2.52% | 3.37% | 6.02% | 4.84% |
| Q3 2025 | 5.90% | 2.66% | 3.35% | 6.13% | 5.12% |
| Q4 2025 | 5.88% | 2.59% | 3.41% | 6.10% | 5.06% |
| Q1 2026 | 5.72% | 2.39% | 3.44% | 5.97% | 4.95% |
| Q2 2026 | 5.89% | 2.47% | 3.54% | 6.21% | 4.69% |
West Gate 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 Gate 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 Gate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19850) · FFIEC NIC profile (RSSD 207050)