American Interstate 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.
Compared with Q1 2026, Net interest margin rose 0.29 percentage points in Q2 2026 to 5.40%, the biggest move on this page. Among 138 Nebraska banks, American Interstate Bank sits 3rd from the top on net interest margin, 5.40% as of Q2 2026. American Interstate Bank reported 5.40% on net interest margin for Q2 2026, 1.45 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 7.39% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.57% |
| Cost of interest-bearing deposits | 0.78% |
| Cost of interest-bearing liabilities | 0.78% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.40% |
| Yield to cost spread | 5.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $150K |
| Interest expense on deposits | $150K |
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 | 5.93% | 0.53% | 5.57% | 6.48% | 0.78% |
| Q4 2023 | 6.82% | 0.54% | 6.46% | 6.88% | 17.67% |
| Q1 2024 | 6.67% | 0.44% | 6.31% | 6.98% | — |
| Q2 2024 | 6.78% | 0.74% | 6.14% | 7.27% | — |
| Q3 2024 | 6.51% | 0.74% | 5.90% | 7.43% | 5.21% |
| Q4 2024 | 6.57% | 0.65% | 6.02% | 7.56% | — |
| Q1 2025 | 6.14% | 0.59% | 5.64% | 7.54% | — |
| Q2 2025 | 6.43% | 0.62% | 5.92% | 7.54% | — |
| Q3 2025 | 6.30% | 0.61% | 5.81% | 7.99% | — |
| Q4 2025 | 6.08% | 0.57% | 5.61% | 7.74% | — |
| Q1 2026 | 5.56% | 0.54% | 5.11% | 7.41% | — |
| Q2 2026 | 5.86% | 0.57% | 5.40% | 7.39% | — |
American Interstate 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 Interstate 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 Interstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1439) · FFIEC NIC profile (RSSD 547251)