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.
Net interest margin rose 0.25 percentage points from Q1 2026 to Q2 2026, ending at 3.83% against 3.58%. It was the largest change among the key lines on this page. American Bank, N.A. ranks 76th of 225 Iowa banks on net interest margin, in the upper half at 3.83% (Q2 2026). American Bank, N.A. reported 3.83% on net interest margin for Q2 2026, 0.12 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.15% |
| Yield on loans | 6.25% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 4.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.6M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.6M |
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 | 5.49% | 2.48% | 3.12% | 5.60% | 2.42% |
| Q4 2023 | 5.73% | 2.90% | 3.05% | 5.76% | 2.17% |
| Q1 2024 | 5.75% | 3.03% | 2.81% | 5.84% | 2.72% |
| Q2 2024 | 5.91% | 3.05% | 2.79% | 5.95% | 2.69% |
| Q3 2024 | 5.98% | 3.31% | 2.95% | 6.02% | 4.77% |
| Q4 2024 | 5.88% | 3.08% | 2.94% | 5.99% | 4.63% |
| Q1 2025 | 5.82% | 2.91% | 3.05% | 5.89% | 4.77% |
| Q2 2025 | 6.05% | 2.92% | 3.27% | 6.08% | 4.26% |
| Q3 2025 | 6.13% | 2.83% | 3.48% | 6.22% | 3.88% |
| Q4 2025 | 6.04% | 2.71% | 3.46% | 6.15% | 3.78% |
| Q1 2026 | 5.95% | 2.50% | 3.58% | 6.05% | 3.69% |
| Q2 2026 | 6.15% | 2.52% | 3.83% | 6.25% | 3.68% |
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 5800) · FFIEC NIC profile (RSSD 345345)