American Business Bank: 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.
Cost of borrowings dropped 6.78 percentage points in Q2 2026, from 6.78% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within California, American Business Bank is 46th of 114 on net interest margin, 3.94% as of Q2 2026, above the middle of the field. American Business Bank reported 3.94% on net interest margin for Q2 2026, 0.23 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 5.71% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.97% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.78% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $44.2M |
| Total interest expense | $9.4M |
| Interest expense on deposits | $9.4M |
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 | 4.23% | 1.16% | 3.18% | 5.16% | 2.38% |
| Q4 2023 | 4.32% | 1.21% | 3.22% | 5.25% | 2.41% |
| Q1 2024 | 4.34% | 1.37% | 3.08% | 5.27% | 2.40% |
| Q2 2024 | 4.41% | 1.53% | 3.01% | 5.34% | 2.36% |
| Q3 2024 | 4.52% | 1.48% | 3.17% | 5.47% | 2.33% |
| Q4 2024 | 4.54% | 1.30% | 3.36% | 5.49% | 2.35% |
| Q1 2025 | 4.52% | 1.17% | 3.45% | 5.43% | 2.35% |
| Q2 2025 | 4.65% | 1.15% | 3.59% | 5.58% | 2.34% |
| Q3 2025 | 4.76% | 1.14% | 3.72% | 5.73% | 2.33% |
| Q4 2025 | 4.77% | 1.03% | 3.84% | 5.74% | 2.36% |
| Q1 2026 | 4.77% | 0.96% | 3.90% | 5.59% | 2.38% |
| Q2 2026 | 4.82% | 0.97% | 3.94% | 5.71% | 2.38% |
American Business Bank 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 Business Bank, 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34788) · FFIEC NIC profile (RSSD 2734729)