American Bank and Trust Company: 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.
Compared with Q1 2026, Total interest expense fell 2.7% in Q2 2026 to $1.5M, the biggest move on this page. Within Oklahoma, American Bank and Trust Company is 102nd of 169 on net interest margin, 4.03% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; American Bank and Trust Company reported 4.03% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 7.46% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.4M |
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 | 5.63% | 1.88% | 3.93% | 8.34% | 2.34% |
| Q4 2023 | 6.27% | 2.23% | 4.33% | 9.47% | 2.37% |
| Q1 2024 | 5.85% | 2.29% | 3.79% | 8.53% | 2.45% |
| Q2 2024 | 6.30% | 2.31% | 4.21% | 8.85% | 2.59% |
| Q3 2024 | 6.33% | 2.41% | 4.15% | 8.80% | 2.66% |
| Q4 2024 | 6.90% | 2.34% | 4.81% | 9.49% | 2.64% |
| Q1 2025 | 6.28% | 2.19% | 4.40% | 8.35% | 2.65% |
| Q2 2025 | 6.61% | 2.25% | 4.59% | 8.45% | 2.70% |
| Q3 2025 | 6.19% | 2.23% | 4.20% | 7.95% | 2.83% |
| Q4 2025 | 5.86% | 2.28% | 3.95% | 7.53% | 3.28% |
| Q1 2026 | 5.90% | 2.20% | 3.96% | 7.39% | 3.15% |
| Q2 2026 | 5.95% | 2.16% | 4.03% | 7.46% | 3.13% |
American Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20537) · FFIEC NIC profile (RSSD 452159)