WSB Municipal 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.
Net interest margin climbed 0.76 percentage points in Q2 2026, from 2.62% to 3.38%. It was the largest change from Q1 2026 among the key lines here. Within New York, WSB Municipal Bank is 63rd of 105 on net interest margin, 3.38% as of Q2 2026, below the middle of the field. WSB Municipal Bank reported 3.38% on net interest margin for Q2 2026, 0.57 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.74% |
| Yield on loans | — |
| Yield on securities | 3.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.52% |
| Cost of interest-bearing deposits | 0.94% |
| Cost of interest-bearing liabilities | 0.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $145K |
| Interest expense on deposits | $145K |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 0.99% | 0.44% | 0.72% | 0.79% |
| Q4 2023 | 1.19% | 0.41% | 0.93% | 0.87% |
| Q1 2024 | 1.20% | 0.48% | 0.86% | 1.00% |
| Q2 2024 | 1.53% | 0.64% | 1.03% | 1.39% |
| Q3 2024 | 1.60% | 0.66% | 1.10% | 1.43% |
| Q4 2024 | 1.98% | 0.67% | 1.50% | 1.80% |
| Q1 2025 | 2.25% | 0.65% | 1.77% | 2.18% |
| Q2 2025 | 2.59% | 0.65% | 2.09% | 2.51% |
| Q3 2025 | 2.91% | 0.72% | 2.41% | 2.81% |
| Q4 2025 | 3.10% | 0.71% | 2.64% | 3.06% |
| Q1 2026 | 3.11% | 0.72% | 2.62% | 3.10% |
| Q2 2026 | 3.74% | 0.52% | 3.38% | 3.76% |
WSB Municipal 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 WSB Municipal 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 WSB Municipal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7274) · FFIEC NIC profile (RSSD 858818)