Americana Community 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 rose 0.39 percentage points from Q1 2026 to Q2 2026, ending at 4.42% against 4.03%. It was the largest change among the key lines on this page. Within Minnesota, Americana Community Bank is 84th of 221 on net interest margin, 4.24% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Americana Community Bank sits 0.29 points higher, at 4.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | 4.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $726K |
| Interest expense on deposits | $699K |
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 | 5.18% | 1.63% | 3.68% |
| Q4 2023 | 5.81% | 1.78% | 4.18% |
| Q1 2024 | 5.65% | 2.02% | 3.76% |
| Q2 2024 | 5.66% | 2.15% | 3.68% |
| Q3 2024 | 5.78% | 2.23% | 3.73% |
| Q4 2024 | 5.70% | 2.28% | 3.62% |
| Q1 2025 | 5.74% | 2.18% | 3.73% |
| Q2 2025 | 5.97% | 2.24% | 3.93% |
| Q3 2025 | 5.91% | 2.14% | 3.87% |
| Q4 2025 | 5.83% | 2.00% | 4.01% |
| Q1 2026 | 5.93% | 1.85% | 4.25% |
| Q2 2026 | 5.93% | 1.86% | 4.24% |
Americana Community 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 Americana Community 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 Americana Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8205) · FFIEC NIC profile (RSSD 201254)