West Michigan 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 1.4% between Q1 2026 and Q2 2026, to $6.3M. Within Michigan, West Michigan Community Bank is 50th of 72 on net interest margin, 3.77% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; West Michigan Community Bank reported 3.77% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 6.20% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.90% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.77% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.2M |
| Total interest expense | $6.3M |
| Interest expense on deposits | $5.9M |
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 | 5.78% | 2.27% | 3.75% | 6.11% | 2.29% |
| Q4 2023 | 5.84% | 2.31% | 3.69% | 6.16% | 2.34% |
| Q1 2024 | 5.95% | 2.52% | 3.57% | 6.26% | 2.77% |
| Q2 2024 | 5.99% | 2.52% | 3.60% | 6.29% | 2.91% |
| Q3 2024 | 6.12% | 2.52% | 3.76% | 6.43% | 2.95% |
| Q4 2024 | 6.03% | 2.40% | 3.81% | 6.36% | 3.05% |
| Q1 2025 | 5.86% | 2.25% | 3.73% | 6.15% | 3.07% |
| Q2 2025 | 5.99% | 2.30% | 3.82% | 6.27% | 3.22% |
| Q3 2025 | 6.08% | 2.31% | 3.92% | 6.36% | 3.24% |
| Q4 2025 | 5.99% | 2.35% | 3.80% | 6.30% | 3.35% |
| Q1 2026 | 5.90% | 2.29% | 3.73% | 6.16% | 3.36% |
| Q2 2026 | 5.95% | 2.31% | 3.77% | 6.20% | 3.45% |
West Michigan 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 Michigan 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 Michigan Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22308) · FFIEC NIC profile (RSSD 715340)