West Point 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, Yield on loans edged down by 0.12 percentage points, from 6.86% to 6.74%, the largest move among the key lines here. West Point Bank has the 12th lowest net interest margin of the 119 banks headquartered in Kentucky, at 3.08% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. West Point Bank sits 0.86 points lower, at 3.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 6.74% |
| Yield on securities | 2.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.03% |
| Cost of interest-bearing deposits | 3.58% |
| Cost of interest-bearing liabilities | 3.62% |
| Cost of borrowings | 4.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.08% |
| Yield to cost spread | 2.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.4M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.5M |
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 | 5.25% | 3.33% | 2.10% | 6.19% | 1.96% |
| Q4 2023 | 5.51% | 3.67% | 2.01% | 6.46% | 1.99% |
| Q1 2024 | 5.70% | 3.86% | 1.98% | 6.59% | 2.02% |
| Q2 2024 | 5.85% | 3.87% | 2.15% | 6.77% | 2.06% |
| Q3 2024 | 5.96% | 3.75% | 2.37% | 6.87% | 2.06% |
| Q4 2024 | 6.13% | 3.67% | 2.65% | 6.93% | 2.13% |
| Q1 2025 | 6.03% | 3.50% | 2.71% | 6.92% | 1.99% |
| Q2 2025 | 6.15% | 3.41% | 2.90% | 7.05% | 2.01% |
| Q3 2025 | 6.06% | 3.43% | 2.79% | 6.97% | 2.01% |
| Q4 2025 | 6.09% | 3.25% | 2.99% | 6.89% | 2.01% |
| Q1 2026 | 6.01% | 3.06% | 3.10% | 6.86% | 2.04% |
| Q2 2026 | 5.95% | 3.03% | 3.08% | 6.74% | 2.09% |
West Point 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 Point 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 Point Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12166) · FFIEC NIC profile (RSSD 79042)