American Heritage 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 Net interest margin, which rose 0.34 percentage points to 3.79%. Within Minnesota, American Heritage National Bank is 141st of 221 on net interest margin, 3.79% as of Q2 2026, below the middle of the field. American Heritage National Bank reported 3.79% on net interest margin for Q2 2026, 0.16 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 6.02% |
| Yield on securities | 4.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 4.54% | 1.61% | 3.05% | 4.83% | 3.43% |
| Q4 2023 | 4.61% | 1.89% | 2.88% | 4.92% | 3.46% |
| Q1 2024 | 4.65% | 2.11% | 2.70% | 4.91% | 3.53% |
| Q2 2024 | 4.94% | 2.13% | 3.00% | 5.17% | 3.89% |
| Q3 2024 | 5.06% | 2.20% | 3.06% | 5.28% | 3.82% |
| Q4 2024 | 5.04% | 2.03% | 3.19% | 5.28% | 3.65% |
| Q1 2025 | 4.98% | 1.90% | 3.25% | 5.25% | 3.64% |
| Q2 2025 | 5.19% | 1.83% | 3.54% | 5.45% | 3.69% |
| Q3 2025 | 5.35% | 1.90% | 3.64% | 5.65% | 3.56% |
| Q4 2025 | 5.31% | 1.93% | 3.59% | 5.64% | 4.52% |
| Q1 2026 | 5.16% | 1.90% | 3.45% | 5.57% | 4.27% |
| Q2 2026 | 5.50% | 1.91% | 3.79% | 6.02% | 4.45% |
American Heritage 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 Heritage 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 Heritage National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8843) · FFIEC NIC profile (RSSD 61757)