Westside 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.
Total interest expense rose 6.4% from Q1 2026 to Q2 2026, ending at $1.7M against $1.6M. It was the largest change among the key lines on this page. Within Iowa, Westside State Bank is 68th of 225 on net interest margin, 3.89% as of Q2 2026. At 3.89%, Westside State Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.44% |
| Yield on loans | 6.74% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.66% |
| Cost of interest-bearing deposits | 2.92% |
| Cost of interest-bearing liabilities | 3.25% |
| Cost of borrowings | 4.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.2M |
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 | 5.65% | 2.08% | 3.64% | 6.20% | 2.55% |
| Q4 2023 | 5.78% | 2.43% | 3.44% | 6.33% | 2.60% |
| Q1 2024 | 5.94% | 2.49% | 3.53% | 6.45% | 2.74% |
| Q2 2024 | 6.13% | 2.97% | 3.28% | 6.60% | 2.85% |
| Q3 2024 | 6.33% | 3.11% | 3.35% | 6.73% | 2.97% |
| Q4 2024 | 6.38% | 3.11% | 3.40% | 6.78% | 3.05% |
| Q1 2025 | 6.42% | 2.60% | 3.93% | 6.74% | 3.21% |
| Q2 2025 | 6.43% | 2.69% | 3.87% | 6.74% | 3.34% |
| Q3 2025 | 6.69% | 2.92% | 3.91% | 6.97% | 3.65% |
| Q4 2025 | 6.60% | 2.81% | 3.96% | 6.81% | 3.85% |
| Q1 2026 | 6.45% | 2.65% | 3.94% | 6.65% | 3.65% |
| Q2 2026 | 6.44% | 2.66% | 3.89% | 6.74% | 3.67% |
Westside 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 Westside 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 Westside State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18518) · FFIEC NIC profile (RSSD 972143)