American Community Bank of Indiana: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.32 percentage points to 4.15%. Within Indiana, American Community Bank of Indiana is 23rd of 87 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. American Community Bank of Indiana reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.11% |
| Yield on loans | 6.42% |
| Yield on securities | 3.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 5.59% | 2.64% | 3.13% | 5.78% | 2.65% |
| Q4 2023 | 5.76% | 2.84% | 3.13% | 5.95% | 2.55% |
| Q1 2024 | 5.94% | 2.94% | 3.18% | 6.13% | 2.49% |
| Q2 2024 | 6.13% | 2.94% | 3.37% | 6.34% | 2.53% |
| Q3 2024 | 5.87% | 3.24% | 2.93% | 6.10% | 2.50% |
| Q4 2024 | 5.94% | 3.02% | 3.20% | 6.30% | 2.70% |
| Q1 2025 | 5.66% | 2.74% | 3.15% | 6.07% | 2.96% |
| Q2 2025 | 5.95% | 2.67% | 3.53% | 6.38% | 3.29% |
| Q3 2025 | 5.91% | 2.63% | 3.53% | 6.38% | 3.63% |
| Q4 2025 | 6.23% | 2.38% | 4.07% | 6.68% | 3.83% |
| Q1 2026 | 5.81% | 2.19% | 3.83% | 6.18% | 3.62% |
| Q2 2026 | 6.11% | 2.18% | 4.15% | 6.42% | 3.69% |
American Community Bank of Indiana 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 of Indiana, 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 of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29878) · FFIEC NIC profile (RSSD 1010574)