American State Bank & Trust Company of Williston: 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 0.81 percentage points in Q2 2026, from 0.22% to 1.03%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, American State Bank & Trust Company of Williston is 48th of 60 on net interest margin, 3.28% 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 & Trust Company of Williston sits 0.67 points lower, at 3.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.39% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.66% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | 1.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.28% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 |
|---|---|---|---|
| Q3 2023 | 3.70% | 1.34% | 2.50% |
| Q4 2023 | 3.87% | 1.52% | 2.53% |
| Q1 2024 | 4.05% | 1.53% | 2.62% |
| Q2 2024 | 4.23% | 1.62% | 2.77% |
| Q3 2024 | 4.29% | 1.68% | 2.79% |
| Q4 2024 | 4.11% | 1.61% | 2.71% |
| Q1 2025 | 4.27% | 1.40% | 2.99% |
| Q2 2025 | 4.31% | 1.39% | 3.06% |
| Q3 2025 | 4.41% | 1.40% | 3.15% |
| Q4 2025 | 4.40% | 1.32% | 3.22% |
| Q1 2026 | 4.37% | 1.22% | 3.26% |
| Q2 2026 | 4.39% | 1.21% | 3.28% |
American State Bank & Trust Company of Williston 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 & Trust Company of Williston, 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 & Trust Company of Williston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15444) · FFIEC NIC profile (RSSD 244251)