American Community 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.
The standout move of Q2 2026 was in Total interest expense: 11.9% lower than in Q1 2026, at $1.1M. Among 105 New York banks, American Community Bank sits 8th from the top on net interest margin, 4.87% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. American Community Bank sits 0.92 points higher, at 4.87% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.37% |
| Yield on loans | 6.73% |
| Yield on securities | 4.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 0.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 3.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.37% | 1.36% | 4.20% | 5.67% | 3.75% |
| Q4 2023 | 5.69% | 1.71% | 4.21% | 6.03% | 3.72% |
| Q1 2024 | 5.84% | 1.80% | 4.27% | 6.19% | 3.79% |
| Q2 2024 | 5.73% | 1.88% | 4.08% | 6.01% | 3.93% |
| Q3 2024 | 6.11% | 2.05% | 4.31% | 6.47% | 3.92% |
| Q4 2024 | 6.01% | 1.98% | 4.29% | 6.33% | 3.93% |
| Q1 2025 | 6.00% | 1.90% | 4.34% | 6.32% | 4.13% |
| Q2 2025 | 6.10% | 1.91% | 4.42% | 6.43% | 3.77% |
| Q3 2025 | 6.34% | 1.97% | 4.64% | 6.76% | 4.13% |
| Q4 2025 | 6.16% | 1.98% | 4.44% | 6.71% | 4.14% |
| Q1 2026 | 6.10% | 1.87% | 4.44% | 6.71% | 4.09% |
| Q2 2026 | 6.37% | 1.73% | 4.87% | 6.73% | 4.34% |
American Community 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 Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35033) · FFIEC NIC profile (RSSD 2871558)