Westbury 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.14 percentage points between Q1 2026 and Q2 2026, to 1.85%. Westbury Bank ranks 51st of 153 Wisconsin banks on net interest margin, in the upper half at 4.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Westbury Bank sits 0.14 points higher, at 4.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.66% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.61% |
| Cost of interest-bearing deposits | 0.90% |
| Cost of interest-bearing liabilities | 0.90% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.17% | 0.83% | 3.39% |
| Q4 2023 | 4.27% | 1.01% | 3.33% |
| Q1 2024 | 4.33% | 0.99% | 3.37% |
| Q2 2024 | 4.52% | 0.95% | 3.56% |
| Q3 2024 | 4.50% | 0.97% | 3.57% |
| Q4 2024 | 4.63% | 0.93% | 3.76% |
| Q1 2025 | 4.51% | 0.84% | 3.73% |
| Q2 2025 | 4.61% | 0.80% | 3.86% |
| Q3 2025 | 4.61% | 0.80% | 3.86% |
| Q4 2025 | 4.81% | 0.68% | 4.16% |
| Q1 2026 | 4.62% | 0.60% | 4.04% |
| Q2 2026 | 4.66% | 0.61% | 4.09% |
Westbury 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 Westbury 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 Westbury Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28400) · FFIEC NIC profile (RSSD 524971)