American Commercial Bank & Trust, 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.
Compared with Q1 2026, Net interest margin rose 0.21 percentage points in Q2 2026 to 4.16%, the biggest move on this page. American Commercial Bank & Trust, N.A. ranks 77th of 323 Illinois banks on net interest margin, in the upper half at 4.16% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. American Commercial Bank & Trust, N.A. sits 0.45 points higher, at 4.16% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.48% |
| Yield on loans | 6.76% |
| Yield on securities | 4.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.49% |
| Cost of interest-bearing deposits | 3.21% |
| Cost of interest-bearing liabilities | 3.25% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.4M |
| Total interest expense | $11.6M |
| Interest expense on deposits | $11.3M |
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 | 6.10% | 2.21% | 3.91% | 6.32% | 4.96% |
| Q4 2023 | 6.31% | 2.63% | 3.87% | 6.54% | 5.17% |
| Q1 2024 | 6.24% | 2.87% | 3.58% | 6.46% | 5.00% |
| Q2 2024 | 6.34% | 3.01% | 3.52% | 6.53% | 5.28% |
| Q3 2024 | 6.51% | 2.85% | 3.83% | 6.74% | 5.26% |
| Q4 2024 | 6.49% | 2.89% | 3.84% | 6.73% | 5.19% |
| Q1 2025 | 6.22% | 2.73% | 3.68% | 6.45% | 4.47% |
| Q2 2025 | 6.34% | 2.73% | 3.80% | 6.62% | 4.96% |
| Q3 2025 | 6.43% | 2.68% | 3.94% | 6.77% | 4.79% |
| Q4 2025 | 6.46% | 2.76% | 4.04% | 6.75% | 4.85% |
| Q1 2026 | 6.25% | 2.58% | 3.95% | 6.57% | 4.70% |
| Q2 2026 | 6.48% | 2.49% | 4.16% | 6.76% | 4.71% |
American Commercial Bank & Trust, 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 Commercial Bank & Trust, 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 Commercial Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3719) · FFIEC NIC profile (RSSD 856243)