West Valley National 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, Yield on securities fell 0.42 percentage points in Q2 2026 to 4.24%, the biggest move on this page. As of Q2 2026, West Valley National Bank ranks first in Arizona on net interest margin among 12 banks, at 5.20%. The median for banks in the < $100M asset tier is 3.89% on net interest margin. West Valley National Bank sits 1.31 points higher, at 5.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.58% |
| Yield on loans | 6.91% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | 583.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.20% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $244K |
| Interest expense on deposits | $209K |
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 | 5.48% | 0.65% | 4.96% | 5.99% | 3.56% |
| Q4 2023 | 5.63% | 0.85% | 4.88% | 6.13% | 3.90% |
| Q1 2024 | 5.17% | 1.00% | 4.28% | 5.63% | 3.55% |
| Q2 2024 | 5.32% | 1.12% | 4.32% | 5.67% | 3.92% |
| Q3 2024 | 5.62% | 1.36% | 4.45% | 6.09% | 3.61% |
| Q4 2024 | 5.61% | 1.26% | 4.55% | 6.00% | 3.97% |
| Q1 2025 | 5.60% | 1.31% | 4.43% | 6.05% | 3.66% |
| Q2 2025 | 6.09% | 1.29% | 4.90% | 6.50% | 3.97% |
| Q3 2025 | 9.54% | 1.42% | 8.30% | 10.47% | 3.77% |
| Q4 2025 | 6.66% | 1.58% | 5.26% | 7.03% | 4.34% |
| Q1 2026 | 6.45% | 1.50% | 5.07% | 6.75% | 4.66% |
| Q2 2026 | 6.58% | 1.55% | 5.20% | 6.91% | 4.24% |
West Valley National 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 Valley National 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 Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58426) · FFIEC NIC profile (RSSD 3480069)