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 rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 4.17% against 4.03%. It was the largest change among the key lines on this page. Within Montana, American Bank is 18th of 35 on net interest margin, 4.17% as of Q2 2026, below the middle of the field. American Bank reported 4.17% on net interest margin for Q2 2026, 0.22 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 6.97% |
| Yield on securities | 2.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 | 5.10% | 1.41% | 3.76% | 6.68% | 1.95% |
| Q4 2023 | 5.38% | 1.73% | 3.74% | 7.00% | 1.97% |
| Q1 2024 | 5.41% | 1.98% | 3.55% | 7.00% | 2.01% |
| Q2 2024 | 5.42% | 2.04% | 3.52% | 6.93% | 2.01% |
| Q3 2024 | 5.58% | 1.98% | 3.72% | 7.11% | 2.01% |
| Q4 2024 | 5.36% | 1.94% | 3.56% | 6.81% | 2.04% |
| Q1 2025 | 5.29% | 1.91% | 3.47% | 6.70% | 2.08% |
| Q2 2025 | 5.50% | 1.73% | 3.84% | 6.91% | 2.09% |
| Q3 2025 | 6.10% | 1.67% | 4.54% | 7.70% | 2.12% |
| Q4 2025 | 5.61% | 1.60% | 4.14% | 7.07% | 2.20% |
| Q1 2026 | 5.45% | 1.52% | 4.03% | 6.90% | 2.22% |
| Q2 2026 | 5.58% | 1.49% | 4.17% | 6.97% | 2.28% |
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 20311) · FFIEC NIC profile (RSSD 630555)