American Savings 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.
Cost of borrowings climbed 3.99 percentage points in Q2 2026, from 0.00% to 3.99%. It was the largest change from Q1 2026 among the key lines here. Among 6 Hawaii banks, American Savings Bank, N.A. sits 3rd from the top on net interest margin, 3.59% as of Q2 2026. American Savings Bank, N.A. reported 3.59% on net interest margin for Q2 2026, 0.12 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.26% |
| Yield on loans | 4.91% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.68% |
| Cost of interest-bearing deposits | 0.99% |
| Cost of interest-bearing liabilities | 0.99% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $75.8M |
| Total interest expense | $14.0M |
| Interest expense on deposits | $14.0M |
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 | 3.73% | 0.81% | 2.73% | 4.65% | 1.80% |
| Q4 2023 | 3.82% | 0.94% | 2.66% | 4.67% | 1.90% |
| Q1 2024 | 3.89% | 0.92% | 2.76% | 4.74% | 1.88% |
| Q2 2024 | 3.91% | 1.14% | 2.80% | 4.80% | 1.77% |
| Q3 2024 | 3.99% | 1.19% | 2.84% | 4.90% | 1.78% |
| Q4 2024 | 3.98% | 1.15% | 2.86% | 4.85% | 1.83% |
| Q1 2025 | 4.07% | 1.08% | 3.02% | 4.89% | 1.93% |
| Q2 2025 | 4.22% | 0.81% | 3.42% | 4.90% | 2.07% |
| Q3 2025 | 4.25% | 0.77% | 3.50% | 4.94% | 2.14% |
| Q4 2025 | 4.29% | 0.72% | 3.58% | 4.97% | 2.32% |
| Q1 2026 | 4.21% | 0.68% | 3.55% | 4.89% | 2.37% |
| Q2 2026 | 4.26% | 0.68% | 3.59% | 4.91% | 2.46% |
American Savings 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 Savings 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 Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32526) · FFIEC NIC profile (RSSD 54973)