American State Bank: 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 Net interest margin: 0.53 percentage points higher than in Q1 2026, at 3.06%. Within Texas, American State Bank is 308th of 345 on net interest margin, 3.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. American State Bank sits 0.89 points lower, at 3.06% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.29% |
| Yield on securities | 4.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.81% |
| Cost of interest-bearing deposits | 3.19% |
| Cost of interest-bearing liabilities | 3.22% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.06% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.1M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.8M |
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% | 3.28% | 2.80% | 6.20% | 4.37% |
| Q4 2023 | 5.98% | 3.42% | 2.62% | 6.04% | 4.40% |
| Q1 2024 | 5.81% | 3.62% | 2.22% | 5.91% | 4.35% |
| Q2 2024 | 5.84% | 3.72% | 2.17% | 5.95% | 4.39% |
| Q3 2024 | 5.89% | 3.75% | 2.20% | 6.02% | 4.36% |
| Q4 2024 | 6.24% | 3.57% | 2.76% | 6.53% | 4.41% |
| Q1 2025 | 5.63% | 3.39% | 2.38% | 5.86% | 4.40% |
| Q2 2025 | 5.79% | 3.35% | 2.64% | 6.08% | 4.32% |
| Q3 2025 | 5.91% | 3.34% | 2.78% | 6.25% | 4.15% |
| Q4 2025 | 5.75% | 3.12% | 2.84% | 6.20% | 4.11% |
| Q1 2026 | 5.18% | 2.83% | 2.53% | 5.61% | 4.14% |
| Q2 2026 | 5.74% | 2.81% | 3.06% | 6.29% | 4.19% |
American State Bank 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 State Bank, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9967) · FFIEC NIC profile (RSSD 262358)