American 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, Total interest expense edged up by 1.6%, from $6.6M to $6.7M, the largest move among the key lines here. American Bank ranks 75th of 109 Pennsylvania banks on net interest margin, in the lower half at 3.15% (Q2 2026). American Bank reported 3.15% on net interest margin for Q2 2026, 0.56 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.77% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | 3.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.1M |
| Total interest expense | $6.7M |
| Interest expense on deposits | $6.2M |
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 | 4.70% | 2.21% | 2.69% |
| Q4 2023 | 4.88% | 2.47% | 2.61% |
| Q1 2024 | 5.01% | 2.67% | 2.62% |
| Q2 2024 | 5.22% | 2.69% | 2.76% |
| Q3 2024 | 5.47% | 2.83% | 2.87% |
| Q4 2024 | 5.55% | 2.90% | 2.87% |
| Q1 2025 | 5.55% | 2.85% | 2.92% |
| Q2 2025 | 5.65% | 2.89% | 2.99% |
| Q3 2025 | 5.77% | 2.96% | 3.04% |
| Q4 2025 | 5.71% | 2.88% | 3.06% |
| Q1 2026 | 5.63% | 2.76% | 3.08% |
| Q2 2026 | 5.72% | 2.77% | 3.15% |
American 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 American 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 American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34422) · FFIEC NIC profile (RSSD 2580243)