American National Bank of Minnesota: 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.
In Q2 2026, Yield on loans edged up by 0.21 percentage points, from 7.00% to 7.21%, the largest move among the key lines here. American National Bank of Minnesota ranks 137th of 221 Minnesota banks on net interest margin, in the lower half at 3.81% (Q2 2026). American National Bank of Minnesota reported 3.81% on net interest margin for Q2 2026, 0.14 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 7.23% |
| Yield on securities | 1.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 3.04% |
| Cost of interest-bearing liabilities | 3.15% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.1M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.4M |
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 | 6.09% | 2.38% | 3.79% | 6.35% | 1.73% |
| Q4 2023 | 6.38% | 2.73% | 3.80% | 6.59% | 1.66% |
| Q1 2024 | 6.34% | 2.96% | 3.53% | 6.56% | 1.68% |
| Q2 2024 | 6.62% | 3.09% | 3.74% | 6.94% | 1.66% |
| Q3 2024 | 6.84% | 3.18% | 3.89% | 7.24% | 1.64% |
| Q4 2024 | 6.85% | 3.26% | 3.84% | 7.24% | 1.68% |
| Q1 2025 | 6.39% | 3.14% | 3.54% | 6.88% | 1.66% |
| Q2 2025 | 6.59% | 3.08% | 3.81% | 7.20% | 1.59% |
| Q3 2025 | 6.69% | 3.03% | 4.00% | 7.36% | 1.56% |
| Q4 2025 | 6.55% | 2.99% | 3.93% | 7.33% | 1.62% |
| Q1 2026 | 6.24% | 2.84% | 3.79% | 7.06% | 1.63% |
| Q2 2026 | 6.29% | 2.90% | 3.81% | 7.23% | 1.59% |
American National Bank of Minnesota 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 of Minnesota, 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 of Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26499) · FFIEC NIC profile (RSSD 306159)