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.
Yield on securities rose 0.41 percentage points from Q1 2026 to Q2 2026, ending at 3.96% against 3.55%. It was the largest change among the key lines on this page. American Bank, N.A. ranks 50th of 345 Texas banks on net interest margin, in the upper half at 4.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. American Bank, N.A. sits 1.01 points higher, at 4.96% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.09% |
| Yield on loans | 9.15% |
| Yield on securities | 3.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.37% |
| Cost of interest-bearing deposits | 3.74% |
| Cost of interest-bearing liabilities | 3.75% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.96% |
| Yield to cost spread | 4.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.9M |
| Total interest expense | $5.5M |
| Interest expense on deposits | $5.2M |
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 | 8.05% | 3.61% | 4.72% | 9.47% | 3.22% |
| Q4 2023 | 8.40% | 3.87% | 4.83% | 9.89% | 3.78% |
| Q1 2024 | 8.25% | 3.87% | 4.64% | 9.65% | 3.78% |
| Q2 2024 | 8.92% | 4.02% | 5.16% | 10.25% | 4.26% |
| Q3 2024 | 9.38% | 4.05% | 5.63% | 11.01% | 3.95% |
| Q4 2024 | 8.72% | 3.95% | 5.05% | 10.14% | 3.74% |
| Q1 2025 | 8.72% | 3.76% | 5.23% | 10.06% | 3.76% |
| Q2 2025 | 8.41% | 3.78% | 4.88% | 9.70% | 4.29% |
| Q3 2025 | 8.49% | 3.75% | 5.04% | 9.68% | 4.28% |
| Q4 2025 | 8.52% | 3.61% | 5.17% | 9.68% | 3.91% |
| Q1 2026 | 8.08% | 3.42% | 4.86% | 9.14% | 3.55% |
| Q2 2026 | 8.09% | 3.37% | 4.96% | 9.15% | 3.96% |
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 21567) · FFIEC NIC profile (RSSD 494654)