One 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.
Compared with Q1 2026, Total interest expense fell 5.4% in Q2 2026 to $2.9M, the biggest move on this page. One American Bank has the 1st lowest net interest margin of the 56 banks headquartered in South Dakota, at 1.14% as of Q2 2026. Against a median of 3.95% for banks in the $100M-1B asset tier, One American Bank reported 1.14% on net interest margin in Q2 2026, 2.81 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.50% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.62% |
| Cost of interest-bearing deposits | 3.59% |
| Cost of interest-bearing liabilities | 4.20% |
| Cost of borrowings | 4.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.14% |
| Yield to cost spread | 0.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $1.9M |
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 |
|---|---|---|---|
| Q3 2023 | 5.05% | 3.53% | 1.66% |
| Q4 2023 | 5.23% | 3.79% | 1.60% |
| Q1 2024 | 5.01% | 3.93% | 1.27% |
| Q2 2024 | 5.10% | 3.91% | 1.35% |
| Q3 2024 | 4.92% | 4.12% | 1.05% |
| Q4 2024 | 5.07% | 4.06% | 1.21% |
| Q1 2025 | 4.80% | 3.84% | 1.19% |
| Q2 2025 | 4.89% | 3.85% | 1.27% |
| Q3 2025 | 5.29% | 3.84% | 1.69% |
| Q4 2025 | 4.66% | 3.82% | 1.07% |
| Q1 2026 | 4.37% | 3.67% | 0.90% |
| Q2 2026 | 4.50% | 3.62% | 1.14% |
One 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 One 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 One American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6078) · FFIEC NIC profile (RSSD 95051)