Western 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.
Total interest expense rose 4.8% from Q1 2026 to Q2 2026, ending at $3.8M against $3.6M. It was the largest change among the key lines on this page. On net interest margin, Western Bank ranks 15th highest among the 345 banks headquartered in Texas, at 5.61% (Q2 2026). Western Bank reported 5.61% on net interest margin for Q2 2026, 1.67 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.45% |
| Yield on loans | 7.82% |
| Yield on securities | 2.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.61% |
| Yield to cost spread | 5.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.8M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.5M |
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 | 6.77% | 2.29% | 4.52% | 7.28% | 2.16% |
| Q4 2023 | 7.20% | 2.71% | 4.53% | 7.72% | 2.44% |
| Q1 2024 | 7.24% | 2.89% | 4.40% | 7.71% | 2.19% |
| Q2 2024 | 7.46% | 2.89% | 4.65% | 7.92% | 2.19% |
| Q3 2024 | 7.68% | 2.87% | 4.86% | 8.07% | 2.16% |
| Q4 2024 | 7.43% | 2.58% | 4.89% | 7.81% | 2.55% |
| Q1 2025 | 7.43% | 2.31% | 5.11% | 7.78% | 2.18% |
| Q2 2025 | 7.60% | 2.22% | 5.41% | 7.94% | 2.18% |
| Q3 2025 | 7.56% | 2.21% | 5.39% | 8.02% | 2.09% |
| Q4 2025 | 7.49% | 2.06% | 5.46% | 7.93% | 2.43% |
| Q1 2026 | 7.26% | 1.85% | 5.41% | 7.73% | 2.09% |
| Q2 2026 | 7.45% | 1.87% | 5.61% | 7.82% | 2.06% |
Western 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 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1720) · FFIEC NIC profile (RSSD 199463)