Western State 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.
Cost of borrowings dropped 1.44 percentage points in Q2 2026, from 3.45% to 2.01%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Western State Bank is 24th of 182 on net interest margin, 4.63% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Western State Bank sits 0.68 points higher, at 4.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | 7.33% |
| Yield on securities | 4.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 2.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.63% |
| Yield to cost spread | 3.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.8M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.3M |
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 | 5.85% | 1.49% | 4.47% | 7.35% | 2.83% |
| Q4 2023 | 6.05% | 1.64% | 4.58% | 7.42% | 3.26% |
| Q1 2024 | 6.18% | 1.85% | 4.49% | 7.58% | 3.34% |
| Q2 2024 | 6.76% | 1.95% | 5.00% | 8.25% | 3.41% |
| Q3 2024 | 6.60% | 2.18% | 4.61% | 7.86% | 3.46% |
| Q4 2024 | 6.45% | 2.18% | 4.48% | 7.67% | 3.62% |
| Q1 2025 | 6.31% | 2.11% | 4.39% | 7.54% | 3.58% |
| Q2 2025 | 6.58% | 2.07% | 4.68% | 7.72% | 3.92% |
| Q3 2025 | 6.62% | 2.04% | 4.78% | 7.84% | 3.91% |
| Q4 2025 | 6.48% | 1.97% | 4.68% | 7.65% | 4.10% |
| Q1 2026 | 6.28% | 1.86% | 4.55% | 7.36% | 4.08% |
| Q2 2026 | 6.30% | 1.84% | 4.63% | 7.33% | 4.17% |
Western State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21121) · FFIEC NIC profile (RSSD 988153)