West Union 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.
Compared with Q1 2026, Total interest expense fell 5.9% in Q2 2026 to $972K, the biggest move on this page. Within West Virginia, West Union Bank is 33rd of 41 on net interest margin, 3.59% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. West Union Bank sits 0.35 points lower, at 3.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | 6.11% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 3.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $972K |
| Interest expense on deposits | $872K |
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 | 3.89% | 0.89% | 3.08% | 5.24% | 2.75% |
| Q4 2023 | 4.15% | 1.07% | 3.18% | 5.62% | 2.76% |
| Q1 2024 | 4.32% | 1.20% | 3.22% | 5.79% | 2.90% |
| Q2 2024 | 4.50% | 1.37% | 3.25% | 5.86% | 3.10% |
| Q3 2024 | 4.55% | 1.54% | 3.14% | 5.96% | 3.01% |
| Q4 2024 | 4.68% | 1.59% | 3.24% | 6.12% | 3.09% |
| Q1 2025 | 4.62% | 1.58% | 3.16% | 5.94% | 3.20% |
| Q2 2025 | 4.78% | 1.65% | 3.26% | 6.17% | 3.40% |
| Q3 2025 | 4.83% | 1.70% | 3.28% | 6.16% | 3.44% |
| Q4 2025 | 4.79% | 1.65% | 3.28% | 6.18% | 3.42% |
| Q1 2026 | 4.83% | 1.48% | 3.48% | 6.02% | 3.55% |
| Q2 2026 | 4.86% | 1.40% | 3.59% | 6.11% | 3.48% |
West Union 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 Union 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 Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2452) · FFIEC NIC profile (RSSD 22730)