American Bank & Trust Company: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
American Bank & Trust Company reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.68% in Q3 2026, up 0.12 percentage points from 5.56% in Q3 2025. Across the 12 quarters shown it ranged from 4.67% (Q4 2023) to 5.68% (Q3 2026).
Compared with Q2 2026, Cost of borrowings fell 0.55 percentage points in Q3 2026 to 5.88%, the biggest move on this page. Within Louisiana, American Bank & Trust Company is 38th of 103 on net interest margin, 4.53% as of Q3 2026. American Bank & Trust Company reported 4.53% on net interest margin for Q3 2026, 0.54 points above the 3.99% median for banks in the $100M-1B asset tier.
Asset yields
Yield on earning assets changed the most here, up 0.08 points to 5.68% in Q3 2026 from 5.60% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 6.67% |
| Yield on securities | 2.08% |
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Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 5.88% |
Spread and margin
Net interest margin moved most in this table, up 0.09 points: 4.44% in Q2 2026, 4.53% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $731K |
| Interest expense on deposits | $622K |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 4.67% | 1.07% | 3.69% | 5.81% | 1.93% |
| Q1 2024 | 4.80% | 1.06% | 3.82% | 5.96% | 1.96% |
| Q2 2024 | 4.87% | 1.12% | 3.85% | 6.01% | 1.97% |
| Q3 2024 | 5.16% | 1.40% | 3.86% | 6.34% | 2.03% |
| Q4 2024 | 5.23% | 1.38% | 4.00% | 6.41% | 1.97% |
| Q1 2025 | 5.22% | 1.17% | 4.14% | 6.37% | 1.96% |
| Q2 2025 | 5.36% | 1.21% | 4.25% | 6.47% | 1.94% |
| Q3 2025 | 5.56% | 1.42% | 4.28% | 6.67% | 1.96% |
| Q4 2025 | 5.59% | 1.45% | 4.28% | 6.67% | 1.97% |
| Q1 2026 | 5.46% | 1.20% | 4.35% | 6.46% | 1.98% |
| Q2 2026 | 5.60% | 1.27% | 4.44% | 6.64% | 2.04% |
| Q3 2026 | 5.68% | 1.29% | 4.53% | 6.67% | 2.08% |
American Bank & Trust Company yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full American Bank & Trust Company profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 17906) · FFIEC NIC profile (RSSD 83834)