American Plus Bank, N.A.: 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 standout move of Q2 2026 was in Yield on securities: 1.25 percentage points higher than in Q1 2026, at 5.20%. American Plus Bank, N.A. ranks 39th of 114 California banks on net interest margin, in the upper half at 4.06% (Q2 2026). At 4.06%, American Plus Bank, N.A.'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 | 6.83% |
| Yield on loans | 7.07% |
| Yield on securities | 5.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.26% |
| Cost of interest-bearing deposits | 3.42% |
| Cost of interest-bearing liabilities | 3.36% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.0M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $5.9M |
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 | 7.09% | 3.88% | 3.83% | 7.31% | 4.32% |
| Q4 2023 | 7.11% | 4.36% | 3.45% | 7.39% | 4.29% |
| Q1 2024 | 7.12% | 4.42% | 3.41% | 7.34% | 3.79% |
| Q2 2024 | 7.25% | 4.45% | 3.51% | 7.51% | 4.15% |
| Q3 2024 | 7.48% | 4.57% | 3.62% | 7.78% | 4.14% |
| Q4 2024 | 7.24% | 4.33% | 3.59% | 7.58% | 4.11% |
| Q1 2025 | 6.95% | 3.98% | 3.58% | 7.23% | 3.86% |
| Q2 2025 | 7.00% | 3.75% | 3.79% | 7.25% | 3.96% |
| Q3 2025 | 7.08% | 3.58% | 4.01% | 7.34% | 3.85% |
| Q4 2025 | 6.89% | 3.45% | 3.95% | 7.16% | 3.93% |
| Q1 2026 | 6.79% | 3.25% | 4.03% | 7.00% | 3.95% |
| Q2 2026 | 6.83% | 3.26% | 4.06% | 7.07% | 5.20% |
American Plus Bank, N.A. 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 Plus Bank, N.A., 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 Plus Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58469) · FFIEC NIC profile (RSSD 3623110)