West Shore 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 securities edged up by 0.17 percentage points, from 1.79% to 1.96%, the largest move among the key lines here. Within Michigan, West Shore Bank is 40th of 72 on net interest margin, 3.99% as of Q2 2026. At 3.99%, West Shore Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 6.37% |
| Yield on securities | 1.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | 2.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.3M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $3.2M |
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 | 5.14% | 1.68% | 3.46% | 6.14% | 1.76% |
| Q4 2023 | 5.40% | 1.91% | 3.49% | 6.33% | 1.78% |
| Q1 2024 | 5.46% | 2.10% | 3.36% | 6.47% | 1.74% |
| Q2 2024 | 5.55% | 2.27% | 3.28% | 6.54% | 1.72% |
| Q3 2024 | 5.71% | 2.18% | 3.55% | 6.81% | 1.54% |
| Q4 2024 | 5.69% | 2.18% | 3.53% | 6.69% | 1.55% |
| Q1 2025 | 5.63% | 2.02% | 3.66% | 6.49% | 1.62% |
| Q2 2025 | 5.78% | 1.94% | 3.88% | 6.64% | 1.61% |
| Q3 2025 | 5.90% | 1.80% | 4.14% | 6.76% | 1.65% |
| Q4 2025 | 5.85% | 1.87% | 4.01% | 6.62% | 1.73% |
| Q1 2026 | 5.75% | 1.86% | 3.94% | 6.42% | 1.79% |
| Q2 2026 | 5.82% | 1.89% | 3.99% | 6.37% | 1.96% |
West Shore 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 Shore 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 Shore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14929) · FFIEC NIC profile (RSSD 832546)