Western Commerce 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 borrowings, which fell 0.34 percentage points to 0.80%. On net interest margin, Western Commerce Bank ranks 3rd highest among the 29 banks headquartered in New Mexico, at 5.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Western Commerce Bank sits 1.32 points higher, at 5.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.99% |
| Yield on securities | 3.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.44% |
| Cost of interest-bearing deposits | 0.66% |
| Cost of interest-bearing liabilities | 0.66% |
| Cost of borrowings | 0.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.26% |
| Yield to cost spread | 5.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.5M |
| Total interest expense | $886K |
| Interest expense on deposits | $885K |
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 | 5.25% | 0.25% | 5.02% | 6.18% | 3.77% |
| Q4 2023 | 5.55% | 0.35% | 5.24% | 6.58% | 3.86% |
| Q1 2024 | 5.69% | 0.34% | 5.37% | 6.92% | 3.86% |
| Q2 2024 | 5.86% | 0.45% | 5.44% | 7.00% | 3.98% |
| Q3 2024 | 5.91% | 0.56% | 5.39% | 7.17% | 3.95% |
| Q4 2024 | 5.83% | 0.55% | 5.34% | 7.02% | 3.91% |
| Q1 2025 | 5.63% | 0.52% | 5.15% | 6.86% | 3.93% |
| Q2 2025 | 5.79% | 0.51% | 5.32% | 6.98% | 3.90% |
| Q3 2025 | 5.74% | 0.52% | 5.27% | 7.05% | 3.97% |
| Q4 2025 | 5.76% | 0.46% | 5.34% | 7.13% | 3.86% |
| Q1 2026 | 5.50% | 0.43% | 5.10% | 6.90% | 3.84% |
| Q2 2026 | 5.66% | 0.44% | 5.26% | 6.99% | 3.92% |
Western Commerce 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 Commerce 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 Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18389) · FFIEC NIC profile (RSSD 169756)