Western Alliance 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 rose 3.0% in Q2 2026 to $430.8M, the biggest move on this page. Within Arizona, Western Alliance Bank is 8th of 12 on net interest margin, 3.50% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin; Western Alliance Bank reported 3.50% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 5.80% |
| Yield on securities | 4.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | 4.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $940.3M |
| Total interest expense | $430.8M |
| Interest expense on deposits | $373.6M |
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 | 6.33% | 2.85% | 3.68% | 6.75% | 4.56% |
| Q4 2023 | 6.25% | 2.89% | 3.59% | 6.69% | 4.62% |
| Q1 2024 | 6.16% | 2.86% | 3.54% | 6.69% | 4.37% |
| Q2 2024 | 6.16% | 2.79% | 3.57% | 6.68% | 4.59% |
| Q3 2024 | 6.15% | 2.71% | 3.61% | 6.62% | 4.72% |
| Q4 2024 | 5.87% | 2.58% | 3.48% | 6.31% | 4.49% |
| Q1 2025 | 5.65% | 2.42% | 3.39% | 6.09% | 4.34% |
| Q2 2025 | 5.71% | 2.37% | 3.48% | 6.11% | 4.57% |
| Q3 2025 | 5.72% | 2.34% | 3.54% | 6.19% | 4.57% |
| Q4 2025 | 5.52% | 2.16% | 3.51% | 5.99% | 4.43% |
| Q1 2026 | 5.35% | 1.97% | 3.48% | 5.77% | 4.37% |
| Q2 2026 | 5.36% | 1.96% | 3.50% | 5.80% | 4.45% |
Western Alliance 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 Western Alliance 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 Western Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57512) · FFIEC NIC profile (RSSD 3138146)