American Commerce Bank, N.A.: 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 4.32% to 4.41%, the largest move among the key lines here. American Commerce Bank, N.A. ranks 66th of 121 Georgia banks on net interest margin, in the lower half at 4.41% (Q2 2026). American Commerce Bank, N.A. reported 4.41% on net interest margin for Q2 2026, 0.46 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.66% |
| Yield on loans | 7.17% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.72% |
| Cost of interest-bearing deposits | 2.95% |
| Cost of interest-bearing liabilities | 2.99% |
| Cost of borrowings | 4.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.6M |
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 |
|---|---|---|---|---|
| Q3 2023 | 6.02% | 2.89% | 3.63% | 6.22% |
| Q4 2023 | 6.16% | 2.94% | 3.68% | 6.24% |
| Q1 2024 | 6.28% | 3.08% | 3.73% | 6.44% |
| Q2 2024 | 6.51% | 3.16% | 3.88% | 6.66% |
| Q3 2024 | 6.52% | 3.50% | 3.74% | 6.73% |
| Q4 2024 | 6.49% | 3.42% | 3.57% | 6.76% |
| Q1 2025 | 6.41% | 3.26% | 3.73% | 6.74% |
| Q2 2025 | 7.21% | 3.35% | 4.56% | 7.72% |
| Q3 2025 | 6.87% | 3.09% | 4.27% | 7.33% |
| Q4 2025 | 6.75% | 2.94% | 4.24% | 7.22% |
| Q1 2026 | 6.63% | 2.79% | 4.32% | 7.08% |
| Q2 2026 | 6.66% | 2.72% | 4.41% | 7.17% |
American Commerce Bank, N.A. 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 Commerce Bank, N.A., 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 Commerce Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57686) · FFIEC NIC profile (RSSD 3272956)