Westfield 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 3.03%. Within Massachusetts, Westfield Bank is 43rd of 89 on net interest margin, 3.03% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Westfield Bank sits 0.68 points lower, at 3.03% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.11% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | 4.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.03% |
| Yield to cost spread | 2.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.0M |
| Total interest expense | $11.1M |
| Interest expense on deposits | $10.4M |
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 | 4.27% | 1.62% | 2.74% | 4.69% | 2.07% |
| Q4 2023 | 4.36% | 1.80% | 2.68% | 4.76% | 2.13% |
| Q1 2024 | 4.39% | 2.16% | 2.58% | 4.81% | 2.17% |
| Q2 2024 | 4.42% | 2.11% | 2.43% | 4.84% | 2.20% |
| Q3 2024 | 4.52% | 2.22% | 2.44% | 4.94% | 2.21% |
| Q4 2024 | 4.51% | 2.19% | 2.45% | 4.89% | 2.34% |
| Q1 2025 | 4.46% | 2.10% | 2.48% | 4.83% | 2.45% |
| Q2 2025 | 4.64% | 1.93% | 2.81% | 5.05% | 2.57% |
| Q3 2025 | 4.67% | 1.92% | 2.86% | 5.06% | 2.61% |
| Q4 2025 | 4.70% | 1.87% | 2.94% | 5.08% | 2.63% |
| Q1 2026 | 4.65% | 1.82% | 2.93% | 5.03% | 2.60% |
| Q2 2026 | 4.73% | 1.81% | 3.03% | 5.11% | 2.59% |
Westfield 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 Westfield 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 Westfield Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90300) · FFIEC NIC profile (RSSD 892205)