Amerifirst 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 climbed 1152.38 percentage points in Q2 2026, from 314.29% to 1466.67%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Amerifirst Bank is 20th of 93 on net interest margin, 4.59% 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. Amerifirst Bank sits 0.64 points higher, at 4.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.09% |
| Yield on loans | 6.69% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.03% |
| Cost of borrowings | 1466.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.59% |
| Yield to cost spread | 4.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 5.17% | 1.30% | 3.95% | 5.61% | 2.77% |
| Q4 2023 | 5.33% | 1.08% | 3.98% | 5.84% | 2.60% |
| Q1 2024 | 5.56% | 1.55% | 4.10% | 6.01% | 2.82% |
| Q2 2024 | 5.55% | 1.59% | 4.07% | 6.02% | 2.86% |
| Q3 2024 | 5.86% | 1.67% | 4.28% | 6.37% | 2.81% |
| Q4 2024 | 5.74% | 1.73% | 4.13% | 6.31% | 2.94% |
| Q1 2025 | 5.78% | 1.60% | 4.25% | 6.30% | 3.00% |
| Q2 2025 | 6.03% | 1.69% | 4.42% | 6.66% | 3.00% |
| Q3 2025 | 6.12% | 1.78% | 4.45% | 6.77% | 3.03% |
| Q4 2025 | 6.07% | 1.77% | 4.40% | 6.77% | 3.05% |
| Q1 2026 | 6.00% | 1.66% | 4.43% | 6.62% | 3.11% |
| Q2 2026 | 6.09% | 1.58% | 4.59% | 6.69% | 3.18% |
Amerifirst 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 Amerifirst 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 Amerifirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2838) · FFIEC NIC profile (RSSD 139133)