American Bank of the Carolinas: 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 0.20 percentage points in Q2 2026 to 4.79%, the biggest move on this page. On net interest margin, American Bank of the Carolinas ranks 2nd highest among the 38 banks headquartered in North Carolina, at 4.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. American Bank of the Carolinas sits 0.84 points higher, at 4.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.09% |
| Yield on loans | 7.03% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.79% |
| Yield to cost spread | 4.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $710K |
| Interest expense on deposits | $710K |
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 | 5.60% | 1.25% | 4.46% | 6.68% | 2.34% |
| Q4 2023 | 5.84% | 1.38% | 4.61% | 6.95% | 2.48% |
| Q1 2024 | 5.98% | 1.57% | 4.52% | 7.05% | 2.53% |
| Q2 2024 | 6.17% | 1.74% | 4.56% | 7.22% | 2.62% |
| Q3 2024 | 6.23% | 1.94% | 4.50% | 7.31% | 2.74% |
| Q4 2024 | 6.06% | 1.76% | 4.41% | 7.21% | 2.92% |
| Q1 2025 | 6.08% | 1.73% | 4.51% | 7.11% | 2.98% |
| Q2 2025 | 6.25% | 1.68% | 4.71% | 7.19% | 2.97% |
| Q3 2025 | 6.29% | 1.66% | 4.80% | 7.22% | 2.96% |
| Q4 2025 | 6.46% | 1.59% | 5.01% | 7.49% | 2.98% |
| Q1 2026 | 5.98% | 1.52% | 4.59% | 7.00% | 2.97% |
| Q2 2026 | 6.09% | 1.43% | 4.79% | 7.03% | 3.04% |
American Bank of the Carolinas 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 the Carolinas, 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 the Carolinas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59157) · FFIEC NIC profile (RSSD 5230790)