Westmoreland Federal Savings and Loan Association of Latrobe: 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 0.25 percentage points to 2.28%. On net interest margin, Westmoreland Federal Savings and Loan Association of Latrobe is 8th from the bottom among 109 Pennsylvania banks, 2.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Westmoreland Federal Savings and Loan Association of Latrobe sits 1.67 points lower, at 2.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.93% |
| Yield on loans | 4.07% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.28% |
| Yield to cost spread | 1.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $712K |
| Total interest expense | $673K |
| Interest expense on deposits | $673K |
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 | 3.45% | 1.74% | 2.16% | 3.37% | 3.17% |
| Q4 2023 | 3.59% | 1.91% | 2.16% | 3.40% | 3.26% |
| Q1 2024 | 3.64% | 2.07% | 2.10% | 3.45% | 3.52% |
| Q2 2024 | 3.80% | 2.46% | 1.97% | 3.50% | 3.62% |
| Q3 2024 | 3.75% | 2.71% | 1.74% | 3.54% | 3.69% |
| Q4 2024 | 3.78% | 2.74% | 1.75% | 3.61% | 3.63% |
| Q1 2025 | 3.75% | 2.64% | 1.79% | 3.73% | 3.71% |
| Q2 2025 | 3.89% | 2.41% | 2.11% | 3.75% | 3.89% |
| Q3 2025 | 3.86% | 2.37% | 2.10% | 3.93% | 3.75% |
| Q4 2025 | 3.84% | 2.41% | 2.05% | 4.03% | 3.65% |
| Q1 2026 | 3.75% | 2.30% | 2.03% | 4.05% | 3.63% |
| Q2 2026 | 3.93% | 2.21% | 2.28% | 4.07% | 3.90% |
Westmoreland Federal Savings and Loan Association of Latrobe yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Westmoreland Federal Savings and Loan Association of Latrobe, 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 Westmoreland Federal Savings and Loan Association of Latrobe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30551) · FFIEC NIC profile (RSSD 188177)