The American National Bank of Mount Pleasant: 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 5.17%, the biggest move on this page. The American National Bank of Mount Pleasant ranks 35th of 345 Texas banks on net interest margin, in the upper half at 5.17% (Q2 2026). The American National Bank of Mount Pleasant reported 5.17% on net interest margin for Q2 2026, 1.22 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.61% |
| Yield on loans | 8.24% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.17% |
| Yield to cost spread | 4.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $499K |
| Interest expense on deposits | $499K |
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 | 5.71% | 1.27% | 4.47% | 7.76% | 2.56% |
| Q4 2023 | 6.36% | 1.57% | 4.83% | 8.11% | 3.42% |
| Q1 2024 | 6.46% | 1.79% | 4.75% | 8.47% | 3.11% |
| Q2 2024 | 6.45% | 1.91% | 4.61% | 8.40% | 3.10% |
| Q3 2024 | 6.57% | 1.92% | 4.73% | 8.63% | 3.16% |
| Q4 2024 | 6.48% | 1.82% | 4.81% | 8.66% | 3.06% |
| Q1 2025 | 6.64% | 1.73% | 4.99% | 8.41% | 3.20% |
| Q2 2025 | 6.58% | 1.65% | 5.03% | 8.44% | 3.08% |
| Q3 2025 | 6.82% | 1.62% | 5.29% | 8.60% | 3.06% |
| Q4 2025 | 6.68% | 1.63% | 5.17% | 8.45% | 3.06% |
| Q1 2026 | 6.40% | 1.55% | 4.96% | 8.10% | 3.05% |
| Q2 2026 | 6.61% | 1.54% | 5.17% | 8.24% | 3.20% |
The American National Bank of Mount Pleasant yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The American National Bank of Mount Pleasant, 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 The American National Bank of Mount Pleasant profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22942) · FFIEC NIC profile (RSSD 764067)