American Heritage 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.
Yield on securities rose 0.41 percentage points from Q1 2026 to Q2 2026, ending at 3.33% against 2.92%. It was the largest change among the key lines on this page. Within New Mexico, American Heritage Bank is 10th of 29 on net interest margin, 4.57% as of Q2 2026, above the middle of the field. American Heritage Bank reported 4.57% on net interest margin for Q2 2026, 0.62 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 7.53% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.96% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $327K |
| Interest expense on deposits | $327K |
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 | 5.75% | 0.94% | 4.86% | 7.91% | 2.80% |
| Q4 2023 | 5.92% | 1.01% | 4.99% | 8.11% | 2.56% |
| Q1 2024 | 6.10% | 0.95% | 5.21% | 8.03% | 2.55% |
| Q2 2024 | 6.28% | 1.00% | 5.35% | 8.25% | 2.55% |
| Q3 2024 | 6.34% | 1.22% | 5.20% | 8.34% | 2.44% |
| Q4 2024 | 6.03% | 1.24% | 4.89% | 7.95% | 2.49% |
| Q1 2025 | 5.91% | 1.12% | 4.87% | 7.66% | 2.57% |
| Q2 2025 | 5.98% | 1.13% | 4.92% | 7.83% | 2.65% |
| Q3 2025 | 6.04% | 1.15% | 4.97% | 7.93% | 2.91% |
| Q4 2025 | 5.86% | 1.13% | 4.82% | 7.73% | 3.11% |
| Q1 2026 | 5.52% | 0.99% | 4.59% | 7.44% | 2.96% |
| Q2 2026 | 5.46% | 0.96% | 4.57% | 7.53% | 3.12% |
American Heritage 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 Heritage 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 Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57025) · FFIEC NIC profile (RSSD 2960555)