American National Bank & Trust: 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, Total interest expense rose 3.4% in Q2 2026 to $16.2M, the biggest move on this page. American National Bank & Trust ranks 294th of 345 Texas banks on net interest margin, in the lower half at 3.27% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. American National Bank & Trust sits 0.44 points lower, at 3.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.55% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 3.43% |
| Cost of interest-bearing liabilities | 3.43% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.7M |
| Total interest expense | $16.2M |
| Interest expense on deposits | $16.2M |
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 | 5.48% | 3.16% | 2.65% | 5.76% | 2.50% |
| Q4 2023 | 5.72% | 3.51% | 2.56% | 5.92% | 2.92% |
| Q1 2024 | 5.60% | 3.59% | 2.33% | 5.89% | 2.91% |
| Q2 2024 | 5.94% | 3.66% | 2.62% | 6.19% | 2.89% |
| Q3 2024 | 6.15% | 3.69% | 2.82% | 6.42% | 2.97% |
| Q4 2024 | 5.92% | 3.48% | 2.77% | 6.34% | 2.89% |
| Q1 2025 | 5.71% | 3.21% | 2.76% | 6.29% | 2.79% |
| Q2 2025 | 5.91% | 3.25% | 3.00% | 6.42% | 3.34% |
| Q3 2025 | 6.00% | 3.26% | 3.05% | 6.56% | 3.10% |
| Q4 2025 | 5.91% | 3.11% | 3.11% | 6.47% | 3.46% |
| Q1 2026 | 5.73% | 2.88% | 3.12% | 6.34% | 3.62% |
| Q2 2026 | 5.91% | 2.90% | 3.27% | 6.55% | 3.84% |
American National Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22373) · FFIEC NIC profile (RSSD 498362)