American Express National 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 largest change between Q1 2026 and Q2 2026 was in Yield on loans, which fell 0.35 percentage points to 13.23%. American Express National Bank ranks 11th of 44 Utah banks on net interest margin, in the upper half at 8.22% (Q2 2026). American Express National Bank's net interest margin of 8.22% is well above the 3.43% median for banks in the $100B-250B asset tier, a gap of 4.79 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 11.13% |
| Yield on loans | 13.23% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.41% |
| Cost of interest-bearing deposits | 3.25% |
| Cost of interest-bearing liabilities | 3.37% |
| Cost of borrowings | 4.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 8.22% |
| Yield to cost spread | 7.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.56B |
| Total interest expense | $1.57B |
| Interest expense on deposits | $1.40B |
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 | 11.10% | 4.24% | 7.46% | 12.82% | 2.36% |
| Q4 2023 | 11.35% | 4.43% | 7.56% | 13.07% | 2.41% |
| Q1 2024 | 11.36% | 4.36% | 7.63% | 13.38% | 1.97% |
| Q2 2024 | 11.16% | 4.34% | 7.44% | 13.02% | 1.17% |
| Q3 2024 | 11.64% | 4.38% | 7.89% | 13.68% | 1.46% |
| Q4 2024 | 11.47% | 4.12% | 7.95% | 13.36% | 4.92% |
| Q1 2025 | 11.21% | 3.86% | 7.91% | 13.42% | 3.53% |
| Q2 2025 | 11.08% | 3.87% | 7.78% | 13.26% | 3.75% |
| Q3 2025 | 11.32% | 3.84% | 8.01% | 13.64% | 3.82% |
| Q4 2025 | 11.40% | 3.72% | 8.21% | 13.51% | 3.42% |
| Q1 2026 | 11.15% | 3.47% | 8.17% | 13.58% | 3.23% |
| Q2 2026 | 11.13% | 3.41% | 8.22% | 13.23% | 3.56% |
American Express National 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 Express National 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 Express National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27471) · FFIEC NIC profile (RSSD 1394676)