Williamstown Bank, Inc.: 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 4.26%. Within West Virginia, Williamstown Bank, Inc. is 13th of 41 on net interest margin, 4.26% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Williamstown Bank, Inc. sits 0.31 points higher, at 4.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $830K |
| Interest expense on deposits | $830K |
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 |
|---|---|---|---|
| Q3 2023 | 5.09% | 1.22% | 3.88% |
| Q4 2023 | 5.17% | 1.44% | 3.78% |
| Q1 2024 | 5.41% | 1.73% | 3.70% |
| Q2 2024 | 5.40% | 1.78% | 3.66% |
| Q3 2024 | 5.49% | 1.89% | 3.63% |
| Q4 2024 | 5.54% | 1.93% | 3.67% |
| Q1 2025 | 5.51% | 1.70% | 3.85% |
| Q2 2025 | 5.65% | 1.65% | 4.04% |
| Q3 2025 | 5.81% | 1.64% | 4.22% |
| Q4 2025 | 5.90% | 1.60% | 4.35% |
| Q1 2026 | 5.68% | 1.55% | 4.16% |
| Q2 2026 | 5.77% | 1.57% | 4.26% |
Williamstown Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Williamstown Bank, Inc., 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 Williamstown Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14744) · FFIEC NIC profile (RSSD 918132)