American Bank of Baxter Springs: 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 0.26 percentage points from Q1 2026 to Q2 2026, ending at 3.75% against 3.49%. It was the largest change among the key lines on this page. Within Kansas, American Bank of Baxter Springs is 118th of 182 on net interest margin, 3.75% 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 of Baxter Springs sits 0.20 points lower, at 3.75% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 6.16% |
| Yield on securities | 3.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.45% |
| Cost of interest-bearing liabilities | 1.46% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $517K |
| Interest expense on deposits | $513K |
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 | 3.81% | 0.38% | 3.44% | 5.02% | 1.63% |
| Q4 2023 | 4.05% | 0.47% | 3.61% | 5.56% | 1.63% |
| Q1 2024 | 4.30% | 0.55% | 3.79% | 5.39% | 1.77% |
| Q2 2024 | 4.62% | 0.70% | 3.97% | 5.68% | 1.82% |
| Q3 2024 | 4.65% | 0.68% | 4.01% | 5.64% | 2.08% |
| Q4 2024 | 4.78% | 0.85% | 3.99% | 5.88% | 2.89% |
| Q1 2025 | 4.49% | 0.58% | 3.94% | 5.73% | 2.80% |
| Q2 2025 | 5.37% | 1.24% | 4.02% | 6.17% | 2.95% |
| Q3 2025 | 5.04% | 1.60% | 3.33% | 6.51% | 3.10% |
| Q4 2025 | 5.15% | 1.65% | 3.41% | 6.57% | 3.36% |
| Q1 2026 | 4.76% | 1.33% | 3.49% | 6.01% | 3.36% |
| Q2 2026 | 4.93% | 1.29% | 3.75% | 6.16% | 3.39% |
American Bank of Baxter Springs 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 of Baxter Springs, 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 of Baxter Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4624) · FFIEC NIC profile (RSSD 1002953)