American Metro 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, Cost of borrowings fell 0.49 percentage points in Q2 2026 to 2.03%, the biggest move on this page. American Metro Bank ranks 53rd of 323 Illinois banks on net interest margin, in the upper half at 4.35% (Q2 2026). American Metro Bank reported 4.35% on net interest margin for Q2 2026, 0.40 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.39% |
| Yield on loans | 6.70% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 2.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $551K |
| Interest expense on deposits | $526K |
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 |
|---|---|---|---|---|
| Q3 2023 | 7.19% | 2.05% | 5.54% | 7.52% |
| Q4 2023 | 6.40% | 2.36% | 4.46% | 6.58% |
| Q1 2024 | 6.30% | 2.71% | 4.10% | 6.45% |
| Q2 2024 | 6.58% | 2.92% | 4.13% | 6.77% |
| Q3 2024 | 6.59% | 2.97% | 4.05% | 6.74% |
| Q4 2024 | 6.77% | 2.89% | 4.27% | 7.08% |
| Q1 2025 | 6.23% | 2.97% | 3.84% | 6.52% |
| Q2 2025 | 6.40% | 2.65% | 4.13% | 6.66% |
| Q3 2025 | 6.46% | 2.62% | 4.13% | 6.76% |
| Q4 2025 | 6.41% | 2.83% | 4.12% | 6.80% |
| Q1 2026 | 6.48% | 2.47% | 4.23% | 6.61% |
| Q2 2026 | 6.39% | 2.33% | 4.35% | 6.70% |
American Metro 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 Metro 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34334) · FFIEC NIC profile (RSSD 2533043)