American Exchange 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 Q3 2026 was in Cost of borrowings: 1.45 percentage points lower than in Q2 2026, at 2.15%. Within Nebraska, American Exchange Bank is 16th of 138 on net interest margin, 4.56% as of Q3 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. American Exchange Bank sits 0.67 points higher, at 4.56% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 6.81% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | 2.15% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $853K |
| Total interest expense | $245K |
| Interest expense on deposits | $235K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.52% | 2.65% | 3.40% | 6.49% | 4.41% |
| Q1 2024 | 6.17% | 2.12% | 4.44% | 5.98% | 6.60% |
| Q2 2024 | 4.64% | 2.21% | 2.81% | 6.33% | 2.38% |
| Q3 2024 | 6.05% | 2.55% | 3.95% | 6.77% | 4.64% |
| Q4 2024 | 5.77% | 2.36% | 3.75% | 6.56% | 4.22% |
| Q1 2025 | 5.57% | 1.91% | 3.94% | 6.54% | 4.03% |
| Q2 2025 | 5.91% | 1.53% | 4.56% | 6.68% | 4.12% |
| Q3 2025 | 6.08% | 1.67% | 4.66% | 6.84% | 4.17% |
| Q4 2025 | 5.88% | 1.96% | 4.30% | 6.78% | 3.34% |
| Q1 2026 | 5.74% | 1.58% | 4.30% | 6.62% | 4.09% |
| Q2 2026 | 5.75% | 1.50% | 4.36% | 6.72% | 3.59% |
| Q3 2026 | 5.99% | 1.58% | 4.56% | 6.81% | 3.90% |
American Exchange 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 Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10647) · FFIEC NIC profile (RSSD 1014451)