American Bank and Trust Company, N.A.: 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 7.2% to $1.7M. Within Iowa, American Bank and Trust Company, N.A. is 167th of 225 on net interest margin, 3.24% as of Q2 2026, below the middle of the field. American Bank and Trust Company, N.A. reported 3.24% on net interest margin for Q2 2026, 0.71 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.76% |
| Yield on loans | 5.63% |
| Yield on securities | 2.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 3.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 2.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.5M |
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 | 4.44% | 1.54% | 2.95% | 5.14% | 2.15% |
| Q4 2023 | 4.58% | 1.66% | 2.95% | 5.23% | 2.30% |
| Q1 2024 | 4.54% | 1.54% | 2.97% | 5.22% | 2.27% |
| Q2 2024 | 4.62% | 1.66% | 2.95% | 5.30% | 2.35% |
| Q3 2024 | 4.68% | 1.78% | 2.96% | 5.52% | 2.00% |
| Q4 2024 | 4.68% | 1.64% | 3.06% | 5.45% | 2.09% |
| Q1 2025 | 4.57% | 1.45% | 3.10% | 5.22% | 2.51% |
| Q2 2025 | 4.05% | 1.53% | 2.70% | 5.45% | 2.65% |
| Q3 2025 | 4.45% | 1.51% | 3.03% | 5.58% | 2.47% |
| Q4 2025 | 4.70% | 1.60% | 3.13% | 5.55% | 2.27% |
| Q1 2026 | 4.62% | 1.50% | 3.17% | 5.48% | 2.30% |
| Q2 2026 | 4.76% | 1.57% | 3.24% | 5.63% | 2.36% |
American Bank and Trust Company, N.A. 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, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34955) · FFIEC NIC profile (RSSD 2733263)