American Bank & Trust Company Inc.: 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.
Total interest expense rose 4.0% from Q1 2026 to Q2 2026, ending at $6.2M against $6.0M. It was the largest change among the key lines on this page. American Bank & Trust Company Inc. ranks 102nd of 119 Kentucky banks on net interest margin, in the lower half at 3.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. American Bank & Trust Company Inc. sits 0.66 points lower, at 3.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.15% |
| Yield on loans | 6.73% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.05% |
| Cost of interest-bearing deposits | 3.38% |
| Cost of interest-bearing liabilities | 3.42% |
| Cost of borrowings | 4.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.29% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.5M |
| Total interest expense | $6.2M |
| Interest expense on deposits | $5.8M |
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 | 5.54% | 2.82% | 2.86% | 6.26% | 2.14% |
| Q4 2023 | 5.75% | 3.14% | 2.76% | 6.50% | 2.13% |
| Q1 2024 | 5.89% | 3.33% | 2.69% | 6.59% | 2.10% |
| Q2 2024 | 6.14% | 3.45% | 2.87% | 6.80% | 2.05% |
| Q3 2024 | 6.29% | 3.53% | 2.93% | 6.96% | 2.07% |
| Q4 2024 | 6.33% | 3.51% | 3.01% | 7.01% | 2.09% |
| Q1 2025 | 6.18% | 3.44% | 2.91% | 6.83% | 2.12% |
| Q2 2025 | 6.31% | 3.41% | 3.08% | 6.96% | 2.18% |
| Q3 2025 | 6.39% | 3.36% | 3.22% | 7.06% | 2.28% |
| Q4 2025 | 6.30% | 3.20% | 3.29% | 7.01% | 2.39% |
| Q1 2026 | 6.03% | 3.02% | 3.20% | 6.62% | 2.46% |
| Q2 2026 | 6.15% | 3.05% | 3.29% | 6.73% | 2.49% |
American Bank & Trust Company Inc. 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 & Trust Company Inc., 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 & Trust Company Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35568) · FFIEC NIC profile (RSSD 2919898)