American Momentum 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: Yield on securities edged up 0.15 percentage points between Q1 2026 and Q2 2026, to 3.35%. American Momentum Bank ranks 126th of 345 Texas banks on net interest margin, in the upper half at 4.36% (Q2 2026). American Momentum Bank reported 4.36% on net interest margin for Q2 2026, 0.65 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.23% |
| Yield on securities | 3.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.3M |
| Total interest expense | $7.7M |
| Interest expense on deposits | $7.7M |
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 | 6.27% | 0.99% | 5.40% | 7.07% | 3.56% |
| Q4 2023 | 6.34% | 1.15% | 5.33% | 7.08% | 3.57% |
| Q1 2024 | 6.36% | 1.26% | 5.27% | 7.09% | 3.53% |
| Q2 2024 | 6.42% | 1.40% | 5.24% | 7.09% | 3.52% |
| Q3 2024 | 6.49% | 1.46% | 5.24% | 7.17% | 3.49% |
| Q4 2024 | 6.34% | 1.55% | 5.03% | 7.10% | 3.36% |
| Q1 2025 | 6.10% | 1.54% | 4.79% | 6.86% | 3.34% |
| Q2 2025 | 6.17% | 1.54% | 4.86% | 6.88% | 3.30% |
| Q3 2025 | 6.01% | 1.57% | 4.68% | 6.64% | 3.27% |
| Q4 2025 | 6.14% | 1.52% | 4.88% | 6.99% | 3.22% |
| Q1 2026 | 5.53% | 1.41% | 4.36% | 6.37% | 3.20% |
| Q2 2026 | 5.54% | 1.42% | 4.36% | 6.23% | 3.35% |
American Momentum 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 Momentum 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 Momentum Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58309) · FFIEC NIC profile (RSSD 3447576)