American National Bank-Fox Cities: 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 0.25 percentage points to 3.16%. American National Bank-Fox Cities ranks 133rd of 153 Wisconsin banks on net interest margin, in the lower half at 3.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. American National Bank-Fox Cities sits 0.79 points lower, at 3.16% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 6.47% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.80% |
| Cost of interest-bearing deposits | 3.53% |
| Cost of interest-bearing liabilities | 3.52% |
| Cost of borrowings | 3.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.6M |
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 | 5.04% | 2.20% | 2.94% | 5.73% | 2.76% |
| Q4 2023 | 5.03% | 2.42% | 2.68% | 5.66% | 2.85% |
| Q1 2024 | 5.30% | 2.70% | 2.65% | 5.87% | 3.14% |
| Q2 2024 | 5.62% | 3.03% | 2.71% | 6.28% | 3.16% |
| Q3 2024 | 5.80% | 3.07% | 2.83% | 6.51% | 3.20% |
| Q4 2024 | 5.76% | 2.92% | 2.88% | 6.49% | 3.20% |
| Q1 2025 | 5.64% | 2.75% | 2.92% | 6.29% | 3.17% |
| Q2 2025 | 5.68% | 2.82% | 2.95% | 6.33% | 3.14% |
| Q3 2025 | 5.75% | 2.84% | 3.00% | 6.41% | 3.21% |
| Q4 2025 | 5.68% | 2.83% | 2.97% | 6.31% | 3.15% |
| Q1 2026 | 5.51% | 2.72% | 2.91% | 6.09% | 3.23% |
| Q2 2026 | 5.83% | 2.80% | 3.16% | 6.47% | 3.12% |
American National Bank-Fox Cities 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 National Bank-Fox Cities, 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 National Bank-Fox Cities profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33812) · FFIEC NIC profile (RSSD 2051127)