American Bank of Commerce: 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 6.0% to $9.3M. American Bank of Commerce ranks 267th of 345 Texas banks on net interest margin, in the lower half at 3.49% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. American Bank of Commerce sits 0.22 points lower, at 3.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.49% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.2M |
| Total interest expense | $9.3M |
| Interest expense on deposits | $7.0M |
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 |
|---|---|---|---|
| Q3 2023 | 4.90% | 2.19% | 2.62% |
| Q4 2023 | 5.07% | 2.31% | 2.67% |
| Q1 2024 | 5.06% | 2.70% | 2.71% |
| Q2 2024 | 5.02% | 2.56% | 2.60% |
| Q3 2024 | 5.17% | 2.60% | 2.69% |
| Q4 2024 | 5.23% | 2.26% | 3.08% |
| Q1 2025 | 5.13% | 2.11% | 3.12% |
| Q2 2025 | 5.25% | 2.20% | 3.17% |
| Q3 2025 | 5.48% | 2.36% | 3.25% |
| Q4 2025 | 5.56% | 2.24% | 3.46% |
| Q1 2026 | 5.44% | 2.23% | 3.35% |
| Q2 2026 | 5.62% | 2.25% | 3.49% |
American Bank of Commerce 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 Commerce, 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 Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18609) · FFIEC NIC profile (RSSD 215662)