Western State Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Western State Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 7.60% in Q3 2026, down 0.04 percentage points from 7.64% in Q3 2025. Across the 12 quarters shown it ranged from 7.12% (Q4 2023) to 7.64% (Q3 2025).
Compared with Q2 2026, Cost of borrowings fell 0.29 percentage points in Q3 2026 to 2.49%, the biggest move on this page. As of Q3 2026, Western State Bank ranks first in North Dakota on net interest margin among 60 banks, at 5.41%. The median for banks in the $1B-10B asset tier is 3.79% on net interest margin. Western State Bank sits 1.62 points higher, at 5.41% (Q3 2026).
Asset yields
Largest change in this table: yield on securities, up 0.08 points to 3.73% in Q3 2026 after 3.65% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 7.60% |
| Yield on loans | 7.84% |
| Yield on securities | 3.73% |
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Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | 2.49% |
Spread and margin
Yield to cost spread moved most in this table, down 0.05 points: 4.47% in Q2 2026, 4.42% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 5.41% |
| Yield to cost spread | 4.42% |
Interest income and expense
Total interest expense changed the most here, down 1.0% to $13.5M in Q3 2026 from $13.7M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $44.6M |
| Total interest expense | $13.5M |
| Interest expense on deposits | $13.4M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 7.12% | 2.68% | 4.60% | 7.34% | 2.06% |
| Q1 2024 | 7.14% | 2.80% | 4.51% | 7.45% | 2.30% |
| Q2 2024 | 7.41% | 2.91% | 4.68% | 7.60% | 2.36% |
| Q3 2024 | 7.36% | 2.99% | 4.55% | 7.60% | 2.61% |
| Q4 2024 | 7.47% | 2.89% | 4.78% | 7.73% | 2.92% |
| Q1 2025 | 7.31% | 2.65% | 4.83% | 7.61% | 2.82% |
| Q2 2025 | 7.52% | 2.57% | 5.14% | 7.82% | 3.05% |
| Q3 2025 | 7.64% | 2.74% | 5.29% | 7.91% | 3.23% |
| Q4 2025 | 7.33% | 2.57% | 5.01% | 7.72% | 3.45% |
| Q1 2026 | 7.34% | 2.42% | 5.09% | 7.80% | 3.64% |
| Q2 2026 | 7.62% | 2.39% | 5.40% | 7.86% | 3.65% |
| Q3 2026 | 7.60% | 2.42% | 5.41% | 7.84% | 3.73% |
Western State Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Western State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 9123) · FFIEC NIC profile (RSSD 233554)