American Bank of Freedom: 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.
Compared with Q1 2026, Net interest margin rose 0.19 percentage points in Q2 2026 to 3.14%, the biggest move on this page. On net interest margin, American Bank of Freedom is 18th from the bottom among 192 Missouri banks, 3.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. American Bank of Freedom sits 0.81 points lower, at 3.14% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 6.85% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.27% |
| Cost of interest-bearing deposits | 3.40% |
| Cost of interest-bearing liabilities | 3.50% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.14% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.3M |
| Total interest expense | $7.1M |
| Interest expense on deposits | $5.9M |
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 | 6.18% | 3.16% | 3.30% | 6.47% | 2.46% |
| Q4 2023 | 6.46% | 3.43% | 3.32% | 6.68% | 2.52% |
| Q1 2024 | 6.27% | 3.66% | 2.89% | 6.51% | 2.66% |
| Q2 2024 | 6.50% | 3.81% | 2.98% | 6.70% | 2.83% |
| Q3 2024 | 6.15% | 3.62% | 2.81% | 6.91% | 3.03% |
| Q4 2024 | 6.40% | 3.84% | 2.85% | 6.86% | 3.20% |
| Q1 2025 | 6.17% | 3.64% | 2.84% | 6.60% | 3.26% |
| Q2 2025 | 6.31% | 3.61% | 3.00% | 6.75% | 3.29% |
| Q3 2025 | 6.44% | 3.59% | 3.15% | 6.96% | 3.31% |
| Q4 2025 | 6.11% | 3.44% | 2.95% | 6.68% | 3.32% |
| Q1 2026 | 5.99% | 3.31% | 2.95% | 6.68% | 3.41% |
| Q2 2026 | 6.13% | 3.27% | 3.14% | 6.85% | 3.51% |
American Bank of Freedom 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 Freedom, 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 Freedom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15423) · FFIEC NIC profile (RSSD 568359)