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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 2.86%. On net interest margin, American Heritage Bank is 4th from the bottom among 169 Oklahoma banks, 2.86% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. American Heritage Bank sits 0.85 points lower, at 2.86% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.34% |
| Yield on loans | 6.67% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | 2.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.86% |
| Yield to cost spread | 2.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $5.4M |
| Interest expense on deposits | $4.1M |
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 | 3.80% | 1.43% | 2.46% | 5.92% | 2.11% |
| Q4 2023 | 3.87% | 1.56% | 2.43% | 6.08% | 2.11% |
| Q1 2024 | 3.99% | 1.71% | 2.39% | 6.17% | 2.26% |
| Q2 2024 | 4.08% | 1.81% | 2.39% | 6.24% | 2.24% |
| Q3 2024 | 4.21% | 1.85% | 2.49% | 6.51% | 2.34% |
| Q4 2024 | 4.20% | 1.80% | 2.54% | 6.59% | 2.46% |
| Q1 2025 | 4.19% | 1.74% | 2.56% | 6.38% | 2.66% |
| Q2 2025 | 4.33% | 1.69% | 2.76% | 6.59% | 2.81% |
| Q3 2025 | 4.44% | 1.69% | 2.87% | 6.77% | 2.95% |
| Q4 2025 | 4.43% | 1.67% | 2.89% | 6.72% | 3.02% |
| Q1 2026 | 4.29% | 1.63% | 2.78% | 6.54% | 2.96% |
| Q2 2026 | 4.34% | 1.60% | 2.86% | 6.67% | 2.98% |
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 4190) · FFIEC NIC profile (RSSD 311050)