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.
Net interest margin climbed 1.19 percentage points in Q2 2026, from 4.96% to 6.15%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, American Bank ranks 4th highest among the 103 banks headquartered in Louisiana, at 6.15% (Q2 2026). American Bank's net interest margin of 6.15% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.20 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.41% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 3.41% |
| Cost of interest-bearing liabilities | 3.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.15% |
| Yield to cost spread | 5.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 6.99% | 1.89% | 5.09% |
| Q4 2023 | 9.61% | 1.93% | 7.64% |
| Q1 2024 | 8.37% | 2.17% | 6.12% |
| Q2 2024 | 7.93% | 2.60% | 5.22% |
| Q3 2024 | 7.65% | 2.75% | 4.68% |
| Q4 2024 | 7.51% | 2.51% | 4.82% |
| Q1 2025 | 8.85% | 2.19% | 6.48% |
| Q2 2025 | 7.78% | 2.26% | 5.39% |
| Q3 2025 | 8.22% | 2.26% | 5.85% |
| Q4 2025 | 8.61% | 2.20% | 6.27% |
| Q1 2026 | 7.20% | 2.13% | 4.96% |
| Q2 2026 | 8.41% | 2.15% | 6.15% |
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 19234) · FFIEC NIC profile (RSSD 597452)