Citibank, N.A.: 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 rose 6.2% in Q2 2026 to $11.43B, the biggest move on this page. Citibank, N.A. has the 4th lowest net interest margin of the 56 banks headquartered in South Dakota, at 2.85% as of Q2 2026. At 2.85%, Citibank, N.A.'s net interest margin is close to the 2.88% median for banks in the >= $250B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.34% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.72% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 3.10% |
| Cost of borrowings | 7.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.85% |
| Yield to cost spread | 2.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.22B |
| Total interest expense | $11.43B |
| Interest expense on deposits | $5.73B |
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 | 6.01% | 3.41% | 2.95% |
| Q4 2023 | 6.21% | 3.61% | 2.95% |
| Q1 2024 | 6.15% | 3.58% | 2.89% |
| Q2 2024 | 6.08% | 3.62% | 2.80% |
| Q3 2024 | 6.10% | 3.65% | 2.83% |
| Q4 2024 | 5.92% | 3.35% | 2.90% |
| Q1 2025 | 5.73% | 3.03% | 2.98% |
| Q2 2025 | 5.67% | 3.03% | 2.93% |
| Q3 2025 | 5.71% | 3.08% | 2.93% |
| Q4 2025 | 5.56% | 2.85% | 2.94% |
| Q1 2026 | 5.35% | 2.66% | 2.91% |
| Q2 2026 | 5.34% | 2.72% | 2.85% |
Citibank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citibank, N.A., 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 Citibank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7213) · FFIEC NIC profile (RSSD 476810)