Wyoming Community 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 4.14% to 4.23%, the largest move among the key lines here. Wyoming Community Bank ranks 13th of 24 Wyoming banks on net interest margin, in the lower half at 4.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Wyoming Community Bank sits 0.28 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.73% |
| Yield on loans | 7.12% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 1.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $943K |
| Interest expense on deposits | $926K |
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 | 4.94% | 1.60% | 3.42% | 6.64% | 2.20% |
| Q4 2023 | 4.99% | 1.71% | 3.35% | 6.69% | 2.29% |
| Q1 2024 | 5.11% | 1.87% | 3.32% | 6.92% | 2.37% |
| Q2 2024 | 5.26% | 2.00% | 3.33% | 7.04% | 2.44% |
| Q3 2024 | 5.46% | 2.03% | 3.52% | 7.31% | 2.39% |
| Q4 2024 | 5.74% | 1.94% | 3.88% | 7.40% | 2.94% |
| Q1 2025 | 5.55% | 1.79% | 3.83% | 7.22% | 2.78% |
| Q2 2025 | 5.72% | 1.80% | 4.00% | 7.36% | 2.81% |
| Q3 2025 | 5.80% | 1.71% | 4.16% | 7.44% | 2.87% |
| Q4 2025 | 5.73% | 1.59% | 4.21% | 7.26% | 2.99% |
| Q1 2026 | 5.66% | 1.59% | 4.14% | 7.07% | 3.06% |
| Q2 2026 | 5.73% | 1.58% | 4.23% | 7.12% | 3.13% |
Wyoming Community 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 Wyoming Community 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 Wyoming Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35220) · FFIEC NIC profile (RSSD 2806840)