American Nation 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 0.21 percentage points in Q2 2026 to 3.95%, the biggest move on this page. American Nation Bank ranks 115th of 169 Oklahoma banks on net interest margin, in the lower half at 3.95% (Q2 2026). At 3.95%, American Nation Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 7.19% |
| Yield on securities | 3.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | 4.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.8M |
| Total interest expense | $3.6M |
| Interest expense on deposits | $3.2M |
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 | 5.21% | 1.98% | 3.42% | 6.37% | 2.23% |
| Q4 2023 | 5.12% | 2.21% | 3.18% | 6.25% | 2.27% |
| Q1 2024 | 5.63% | 2.62% | 3.23% | 6.77% | 2.40% |
| Q2 2024 | 5.82% | 2.67% | 3.33% | 6.97% | 2.56% |
| Q3 2024 | 5.89% | 2.77% | 3.32% | 7.10% | 2.62% |
| Q4 2024 | 5.88% | 2.79% | 3.29% | 7.07% | 2.64% |
| Q1 2025 | 5.94% | 2.70% | 3.41% | 7.16% | 2.64% |
| Q2 2025 | 6.05% | 2.60% | 3.62% | 7.35% | 2.71% |
| Q3 2025 | 6.05% | 2.53% | 3.69% | 7.31% | 2.88% |
| Q4 2025 | 6.12% | 2.44% | 3.85% | 7.31% | 3.00% |
| Q1 2026 | 5.94% | 2.36% | 3.74% | 7.03% | 3.06% |
| Q2 2026 | 6.13% | 2.35% | 3.95% | 7.19% | 3.09% |
American Nation 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 Nation 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 Nation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24472) · FFIEC NIC profile (RSSD 256058)