Whitesville 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.13 percentage points to 3.95%. Whitesville State Bank ranks 21st of 41 West Virginia banks on net interest margin, in the lower half at 3.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Whitesville State Bank reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 7.71% |
| Yield on securities | 2.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.10% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $490K |
| Interest expense on deposits | $490K |
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 | 4.91% | 1.61% | 3.34% | 7.09% | 2.22% |
| Q4 2023 | 4.99% | 1.83% | 3.25% | 7.24% | 2.41% |
| Q1 2024 | 4.98% | 1.93% | 3.13% | 7.26% | 2.38% |
| Q2 2024 | 5.20% | 1.85% | 3.41% | 7.53% | 2.25% |
| Q3 2024 | 5.18% | 1.80% | 3.38% | 7.61% | 2.38% |
| Q4 2024 | 5.45% | 2.06% | 3.50% | 7.93% | 2.56% |
| Q1 2025 | 5.20% | 1.97% | 3.33% | 7.64% | 2.63% |
| Q2 2025 | 5.32% | 1.77% | 3.63% | 7.73% | 2.70% |
| Q3 2025 | 5.33% | 1.75% | 3.66% | 7.83% | 2.57% |
| Q4 2025 | 5.49% | 1.73% | 3.80% | 8.03% | 2.76% |
| Q1 2026 | 5.36% | 1.63% | 3.82% | 7.69% | 2.65% |
| Q2 2026 | 5.41% | 1.55% | 3.95% | 7.71% | 2.50% |
Whitesville 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 Whitesville 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 Whitesville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16453) · FFIEC NIC profile (RSSD 732637)