WestStar 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.
Compared with Q1 2026, Net interest margin rose 0.17 percentage points in Q2 2026 to 3.89%, the biggest move on this page. WestStar Bank ranks 211th of 345 Texas banks on net interest margin, in the lower half at 3.89% (Q2 2026). WestStar Bank reported 3.89% on net interest margin for Q2 2026, 0.18 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 6.12% |
| Yield on securities | 2.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $37.3M |
| Total interest expense | $10.8M |
| Interest expense on deposits | $10.6M |
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 | 4.81% | 1.68% | 3.25% | 5.93% | 1.99% |
| Q4 2023 | 5.01% | 2.01% | 3.14% | 6.02% | 2.03% |
| Q1 2024 | 5.02% | 2.18% | 2.99% | 5.99% | 2.02% |
| Q2 2024 | 5.14% | 2.28% | 3.03% | 6.12% | 2.03% |
| Q3 2024 | 5.20% | 2.33% | 3.05% | 6.17% | 1.98% |
| Q4 2024 | 5.12% | 2.14% | 3.17% | 6.07% | 1.95% |
| Q1 2025 | 5.03% | 1.98% | 3.21% | 5.95% | 2.05% |
| Q2 2025 | 5.18% | 1.85% | 3.48% | 6.13% | 2.13% |
| Q3 2025 | 5.23% | 1.82% | 3.57% | 6.18% | 2.20% |
| Q4 2025 | 5.18% | 1.70% | 3.63% | 6.06% | 2.18% |
| Q1 2026 | 5.14% | 1.55% | 3.72% | 5.95% | 2.16% |
| Q2 2026 | 5.29% | 1.54% | 3.89% | 6.12% | 2.18% |
WestStar 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 WestStar 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 WestStar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32941) · FFIEC NIC profile (RSSD 1447639)