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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 3.84% to 3.93%, the largest move among the key lines here. Western Bank ranks 23rd of 29 New Mexico banks on net interest margin, in the lower half at 3.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Western Bank reported 3.93% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.39% |
| Yield on loans | 7.77% |
| Yield on securities | 3.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.50% |
| Cost of interest-bearing deposits | 0.96% |
| Cost of interest-bearing liabilities | 0.96% |
| Cost of borrowings | 2.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $360K |
| Interest expense on deposits | $356K |
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 | 4.18% | 0.57% | 3.66% | 6.84% | 2.90% |
| Q4 2023 | 4.27% | 0.58% | 3.74% | 7.03% | 2.97% |
| Q1 2024 | 4.37% | 0.67% | 3.76% | 7.19% | 3.09% |
| Q2 2024 | 4.49% | 0.62% | 3.92% | 7.60% | 3.17% |
| Q3 2024 | 4.56% | 0.66% | 3.96% | 7.66% | 3.25% |
| Q4 2024 | 4.42% | 0.64% | 3.85% | 7.49% | 3.17% |
| Q1 2025 | 4.33% | 0.60% | 3.79% | 7.40% | 3.21% |
| Q2 2025 | 4.42% | 0.63% | 3.85% | 7.74% | 3.22% |
| Q3 2025 | 4.56% | 0.63% | 3.98% | 7.90% | 3.27% |
| Q4 2025 | 4.48% | 0.57% | 3.96% | 7.97% | 3.25% |
| Q1 2026 | 4.33% | 0.52% | 3.84% | 7.72% | 3.18% |
| Q2 2026 | 4.39% | 0.50% | 3.93% | 7.77% | 3.22% |
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 2249) · FFIEC NIC profile (RSSD 723653)