Bank of Ann Arbor: 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.69 percentage points to 3.52%. Bank of Ann Arbor ranks 20th of 72 Michigan banks on net interest margin, in the upper half at 4.43% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of Ann Arbor sits 0.72 points higher, at 4.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.38% |
| Yield on securities | 2.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 3.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.43% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $37.8M |
| Total interest expense | $11.7M |
| Interest expense on deposits | $10.9M |
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 | 5.47% | 1.47% | 4.10% | 5.90% | 2.23% |
| Q4 2023 | 5.60% | 1.67% | 4.07% | 6.05% | 2.25% |
| Q1 2024 | 5.65% | 1.81% | 3.98% | 6.06% | 2.41% |
| Q2 2024 | 5.70% | 1.89% | 3.95% | 6.09% | 2.27% |
| Q3 2024 | 6.03% | 1.93% | 4.20% | 6.45% | 2.22% |
| Q4 2024 | 5.96% | 1.81% | 4.25% | 6.42% | 2.34% |
| Q1 2025 | 5.82% | 1.74% | 4.15% | 6.26% | 2.59% |
| Q2 2025 | 5.99% | 1.81% | 4.25% | 6.40% | 2.60% |
| Q3 2025 | 6.05% | 1.81% | 4.33% | 6.46% | 2.63% |
| Q4 2025 | 6.04% | 1.58% | 4.48% | 6.41% | 2.65% |
| Q1 2026 | 5.85% | 1.57% | 4.39% | 6.23% | 2.72% |
| Q2 2026 | 5.91% | 1.57% | 4.43% | 6.38% | 2.86% |
Bank of Ann Arbor yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ann Arbor, 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 Bank of Ann Arbor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34120) · FFIEC NIC profile (RSSD 2390929)