Great American 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.
The standout move of Q2 2026 was in Net interest margin: 0.63 percentage points higher than in Q1 2026, at 5.37%. Among 182 Kansas banks, Great American Bank sits 5th from the top on net interest margin, 5.37% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Great American Bank sits 1.42 points higher, at 5.37% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.70% |
| Yield on loans | 7.87% |
| Yield on securities | 1.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.58% |
| Cost of interest-bearing deposits | 3.18% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.37% |
| Yield to cost spread | 4.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.7M |
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 | 6.37% | 2.45% | 4.15% | 6.50% | 1.39% |
| Q4 2023 | 6.63% | 2.75% | 4.27% | 6.84% | 1.42% |
| Q1 2024 | 6.88% | 2.74% | 4.37% | 6.99% | 1.36% |
| Q2 2024 | 7.13% | 2.73% | 4.63% | 7.32% | 1.39% |
| Q3 2024 | 7.32% | 2.84% | 4.71% | 7.58% | 1.41% |
| Q4 2024 | 7.04% | 2.89% | 4.39% | 7.51% | 1.35% |
| Q1 2025 | 6.99% | 2.76% | 4.40% | 7.52% | 1.38% |
| Q2 2025 | 7.27% | 2.75% | 4.71% | 7.87% | 1.32% |
| Q3 2025 | 7.12% | 2.80% | 4.60% | 7.87% | 1.52% |
| Q4 2025 | 7.22% | 2.72% | 4.79% | 8.07% | 1.33% |
| Q1 2026 | 7.08% | 2.57% | 4.74% | 7.74% | 1.36% |
| Q2 2026 | 7.70% | 2.58% | 5.37% | 7.87% | 1.41% |
Great American 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 Great American 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 Great American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35292) · FFIEC NIC profile (RSSD 2815879)