American Trust & Savings 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.
Cost of borrowings dropped 5.00 percentage points in Q2 2026, from 5.00% to 0.00%. It was the largest change from Q1 2026 among the key lines here. American Trust & Savings Bank has the 1st lowest net interest margin of the 225 banks headquartered in Iowa, at 1.44% as of Q2 2026. American Trust & Savings Bank's net interest margin of 1.44% is well below the 3.89% median for banks in the < $100M asset tier, a gap of 2.45 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 2.60% |
| Yield on loans | 4.86% |
| Yield on securities | 2.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.66% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.44% |
| Yield to cost spread | 0.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $70K |
| Total interest expense | $84K |
| Interest expense on deposits | $84K |
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 | 2.29% | 0.93% | 1.54% | 3.68% | 2.01% |
| Q4 2023 | 2.77% | 1.09% | 1.85% | 6.53% | 1.94% |
| Q1 2024 | 2.83% | 1.20% | 1.82% | 6.59% | 1.98% |
| Q2 2024 | 2.82% | 1.25% | 1.78% | 6.57% | 2.03% |
| Q3 2024 | 3.04% | 1.58% | 1.73% | 7.28% | 2.10% |
| Q4 2024 | 3.04% | 1.53% | 1.74% | 7.44% | 2.04% |
| Q1 2025 | 3.06% | 1.43% | 1.83% | 7.31% | 2.06% |
| Q2 2025 | 3.06% | 1.39% | 1.88% | 6.90% | 2.03% |
| Q3 2025 | 3.01% | 1.31% | 1.91% | 6.79% | 2.06% |
| Q4 2025 | 2.89% | 1.30% | 1.81% | 6.61% | 1.98% |
| Q1 2026 | 2.56% | 1.28% | 1.50% | 4.82% | 2.04% |
| Q2 2026 | 2.60% | 1.41% | 1.44% | 4.86% | 2.07% |
American Trust & Savings 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 Trust & Savings 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 Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10120) · FFIEC NIC profile (RSSD 675341)