Citizens 1st 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 2.5% to $4.4M. Citizens 1st Bank ranks 310th of 345 Texas banks on net interest margin, in the lower half at 3.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens 1st Bank sits 0.90 points lower, at 3.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 6.56% |
| Yield on securities | 3.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.61% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.94% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.9M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $3.9M |
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 | 4.33% | 2.27% | 2.40% | 5.65% | 2.84% |
| Q4 2023 | 4.46% | 2.44% | 2.39% | 5.75% | 2.86% |
| Q1 2024 | 4.39% | 2.48% | 2.25% | 5.87% | 2.50% |
| Q2 2024 | 4.82% | 2.52% | 2.70% | 6.25% | 2.88% |
| Q3 2024 | 4.84% | 2.76% | 2.50% | 6.19% | 2.90% |
| Q4 2024 | 5.03% | 2.69% | 2.78% | 6.35% | 2.91% |
| Q1 2025 | 4.83% | 2.62% | 2.58% | 6.14% | 2.90% |
| Q2 2025 | 5.08% | 2.67% | 2.81% | 6.41% | 2.92% |
| Q3 2025 | 5.09% | 2.71% | 2.84% | 6.36% | 2.94% |
| Q4 2025 | 5.15% | 2.67% | 2.93% | 6.45% | 2.93% |
| Q1 2026 | 5.15% | 2.57% | 2.98% | 6.50% | 2.96% |
| Q2 2026 | 5.24% | 2.61% | 3.05% | 6.56% | 3.03% |
Citizens 1st 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 Citizens 1st 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 Citizens 1st Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1715) · FFIEC NIC profile (RSSD 869663)