Western National 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 Net interest margin, which rose 0.19 percentage points to 4.09%. Within Minnesota, Western National Bank is 101st of 221 on net interest margin, 4.09% as of Q2 2026, above the middle of the field. Western National Bank reported 4.09% on net interest margin for Q2 2026, 0.14 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 6.93% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $629K |
| Interest expense on deposits | $521K |
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 | 4.98% | 1.52% | 3.51% | 6.00% | 2.24% |
| Q4 2023 | 4.77% | 1.83% | 2.90% | 5.66% | 2.90% |
| Q1 2024 | 4.77% | 1.58% | 3.22% | 5.59% | 3.31% |
| Q2 2024 | 5.01% | 1.75% | 3.29% | 5.87% | 3.20% |
| Q3 2024 | 5.62% | 1.95% | 3.65% | 6.20% | 3.10% |
| Q4 2024 | 5.62% | 1.56% | 4.08% | 6.28% | 3.14% |
| Q1 2025 | 5.47% | 1.49% | 4.02% | 6.14% | 3.25% |
| Q2 2025 | 6.09% | 1.69% | 4.39% | 6.76% | 3.32% |
| Q3 2025 | 5.95% | 1.00% | 4.91% | 6.64% | 3.40% |
| Q4 2025 | 6.15% | 2.30% | 3.76% | 6.89% | 3.46% |
| Q1 2026 | 5.92% | 2.03% | 3.90% | 6.70% | 3.64% |
| Q2 2026 | 6.14% | 2.06% | 4.09% | 6.93% | 3.68% |
Western National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5131) · FFIEC NIC profile (RSSD 127055)