American Bank 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 fell 4.5% to $2.4M. Within Texas, American Bank N.A. is 168th of 345 on net interest margin, 4.18% as of Q2 2026, above the middle of the field. American Bank N.A. reported 4.18% on net interest margin for Q2 2026, 0.23 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | 6.34% |
| Yield on securities | 1.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 | 4.78% | 1.76% | 3.13% | 5.51% | 1.31% |
| Q4 2023 | 5.16% | 1.99% | 3.32% | 5.82% | 1.44% |
| Q1 2024 | 5.08% | 2.07% | 3.14% | 5.70% | 1.87% |
| Q2 2024 | 5.17% | 2.15% | 3.15% | 5.70% | 1.96% |
| Q3 2024 | 5.38% | 2.14% | 3.40% | 5.90% | 1.41% |
| Q4 2024 | 5.50% | 2.09% | 3.57% | 5.97% | 1.40% |
| Q1 2025 | 5.39% | 1.99% | 3.54% | 5.91% | 1.44% |
| Q2 2025 | 5.55% | 2.06% | 3.65% | 6.02% | 1.57% |
| Q3 2025 | 5.63% | 2.06% | 3.74% | 6.22% | 1.50% |
| Q4 2025 | 5.73% | 1.91% | 3.97% | 6.36% | 1.52% |
| Q1 2026 | 5.59% | 1.73% | 3.98% | 6.26% | 1.49% |
| Q2 2026 | 5.76% | 1.71% | 4.18% | 6.34% | 1.50% |
American Bank 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 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 N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23886) · FFIEC NIC profile (RSSD 307361)