Amg National Trust 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.
In Q2 2026, Yield on loans edged up by 0.11 percentage points, from 6.33% to 6.44%, the largest move among the key lines here. Amg National Trust Bank has the 3rd lowest net interest margin of the 63 banks headquartered in Colorado, at 2.57% as of Q2 2026. Amg National Trust Bank reported 2.57% on net interest margin for Q2 2026, 1.38 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 6.44% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.77% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.57% |
| Yield to cost spread | 2.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $4.3M |
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 | 5.04% | 3.15% | 2.25% | 5.87% | 3.81% |
| Q4 2023 | 5.27% | 3.04% | 2.41% | 6.09% | 4.26% |
| Q1 2024 | 5.29% | 3.05% | 2.22% | 6.10% | 4.44% |
| Q2 2024 | 5.46% | 3.18% | 2.41% | 6.29% | 4.57% |
| Q3 2024 | 5.66% | 3.36% | 2.41% | 6.58% | 4.74% |
| Q4 2024 | 5.44% | 2.97% | 2.54% | 6.48% | 4.59% |
| Q1 2025 | 5.21% | 3.06% | 2.46% | 6.37% | 4.56% |
| Q2 2025 | 5.31% | 3.22% | 2.44% | 6.55% | 4.60% |
| Q3 2025 | 5.37% | 3.35% | 2.34% | 6.66% | 4.59% |
| Q4 2025 | 5.13% | 3.02% | 2.49% | 6.58% | 4.39% |
| Q1 2026 | 4.89% | 2.70% | 2.52% | 6.33% | 4.21% |
| Q2 2026 | 4.96% | 2.77% | 2.57% | 6.44% | 4.24% |
Amg National Trust 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 Amg National Trust 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 Amg National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57295) · FFIEC NIC profile (RSSD 3015939)