West View Savings 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 largest change between Q1 2026 and Q2 2026 was in Cost of interest-bearing deposits, which fell 0.46 percentage points to 1.16%. West View Savings Bank has the 5th lowest net interest margin of the 109 banks headquartered in Pennsylvania, at 1.97% as of Q2 2026. Against a median of 3.95% for banks in the $100M-1B asset tier, West View Savings Bank reported 1.97% on net interest margin in Q2 2026, 1.98 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.49% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.74% |
| Cost of interest-bearing deposits | 1.16% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.97% |
| Yield to cost spread | 1.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $301K |
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 |
|---|---|---|---|
| Q3 2023 | 4.29% | 3.12% | 1.47% |
| Q4 2023 | 4.43% | 3.25% | 1.43% |
| Q1 2024 | 4.55% | 3.21% | 1.61% |
| Q2 2024 | 4.73% | 3.51% | 1.49% |
| Q3 2024 | 4.71% | 3.44% | 1.63% |
| Q4 2024 | 4.61% | 3.25% | 1.68% |
| Q1 2025 | 4.62% | 2.99% | 1.89% |
| Q2 2025 | 4.59% | 3.03% | 1.83% |
| Q3 2025 | 4.65% | 3.10% | 1.85% |
| Q4 2025 | 4.66% | 2.98% | 1.91% |
| Q1 2026 | 4.53% | 2.75% | 2.01% |
| Q2 2026 | 4.49% | 2.74% | 1.97% |
West View Savings 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 View Savings 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 View Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27760) · FFIEC NIC profile (RSSD 842376)