American First 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 standout move of Q2 2026 was in Net interest margin: 0.80 percentage points lower than in Q1 2026, at 4.12%. American First National Bank ranks 176th of 345 Texas banks on net interest margin, in the lower half at 4.12% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. American First National Bank sits 0.41 points higher, at 4.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.72% |
| Yield on loans | 7.25% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.00% |
| Cost of interest-bearing deposits | 3.52% |
| Cost of interest-bearing liabilities | 3.52% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $43.4M |
| Total interest expense | $18.2M |
| Interest expense on deposits | $18.2M |
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 | 6.77% | 2.95% | 4.18% | 7.08% | 3.41% |
| Q4 2023 | 6.84% | 3.34% | 3.92% | 7.13% | 3.86% |
| Q1 2024 | 6.88% | 3.61% | 3.70% | 7.12% | 3.89% |
| Q2 2024 | 6.85% | 3.79% | 3.53% | 7.10% | 4.01% |
| Q3 2024 | 7.04% | 3.87% | 3.66% | 7.33% | 4.19% |
| Q4 2024 | 6.99% | 3.66% | 3.81% | 7.37% | 4.08% |
| Q1 2025 | 6.81% | 3.30% | 3.89% | 7.14% | 3.62% |
| Q2 2025 | 6.93% | 3.28% | 4.04% | 7.34% | 3.64% |
| Q3 2025 | 7.01% | 3.30% | 4.13% | 7.50% | 3.72% |
| Q4 2025 | 6.83% | 3.20% | 4.07% | 7.38% | 3.78% |
| Q1 2026 | 7.56% | 3.02% | 4.92% | 8.20% | 3.78% |
| Q2 2026 | 6.72% | 3.00% | 4.12% | 7.25% | 3.78% |
American First 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 First 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 First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34656) · FFIEC NIC profile (RSSD 2694681)