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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 5.70%, the biggest move on this page. Among 169 Oklahoma banks, American Exchange Bank sits 9th from the top on net interest margin, 5.70% as of Q2 2026. American Exchange Bank reported 5.70% on net interest margin for Q2 2026, 1.75 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.27% |
| Yield on loans | 7.85% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.70% |
| Yield to cost spread | 5.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $364K |
| Interest expense on deposits | $364K |
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 | 6.30% | 1.24% | 5.07% | 6.62% | 2.71% |
| Q4 2023 | 6.66% | 1.30% | 5.39% | 6.96% | 2.76% |
| Q1 2024 | 6.45% | 1.36% | 5.13% | 6.95% | 2.74% |
| Q2 2024 | 6.51% | 1.35% | 5.21% | 7.00% | 2.70% |
| Q3 2024 | 6.91% | 1.53% | 5.45% | 7.38% | 2.75% |
| Q4 2024 | 6.95% | 1.64% | 5.40% | 7.43% | 2.69% |
| Q1 2025 | 6.79% | 1.63% | 5.25% | 7.37% | 2.69% |
| Q2 2025 | 7.03% | 1.69% | 5.45% | 7.77% | 2.66% |
| Q3 2025 | 7.35% | 1.72% | 5.74% | 8.03% | 2.66% |
| Q4 2025 | 7.26% | 1.73% | 5.66% | 7.94% | 3.24% |
| Q1 2026 | 7.10% | 1.54% | 5.55% | 7.84% | 3.12% |
| Q2 2026 | 7.27% | 1.62% | 5.70% | 7.85% | 3.20% |
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 428) · FFIEC NIC profile (RSSD 811550)