Citizens Alliance 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 fell 2.5% to $6.9M. Citizens Alliance Bank ranks 149th of 221 Minnesota banks on net interest margin, in the lower half at 3.73% (Q2 2026). At 3.73%, Citizens Alliance Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.63% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.6M |
| Total interest expense | $6.9M |
| Interest expense on deposits | $6.2M |
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 | 5.11% | 1.51% | 3.37% | 6.06% | 2.71% |
| Q4 2023 | 5.33% | 1.39% | 3.66% | 6.23% | 2.75% |
| Q1 2024 | 5.43% | 1.39% | 3.77% | 6.34% | 2.84% |
| Q2 2024 | 5.59% | 1.76% | 3.53% | 6.55% | 2.83% |
| Q3 2024 | 5.65% | 1.82% | 3.56% | 6.63% | 2.84% |
| Q4 2024 | 5.62% | 1.57% | 3.79% | 6.50% | 2.89% |
| Q1 2025 | 5.60% | 1.46% | 3.93% | 6.61% | 2.88% |
| Q2 2025 | 5.75% | 1.82% | 3.65% | 6.76% | 3.27% |
| Q3 2025 | 5.80% | 2.03% | 3.48% | 6.83% | 3.10% |
| Q4 2025 | 5.81% | 1.93% | 3.60% | 6.80% | 3.10% |
| Q1 2026 | 5.67% | 1.79% | 3.63% | 6.60% | 3.09% |
| Q2 2026 | 5.74% | 1.77% | 3.73% | 6.63% | 3.13% |
Citizens Alliance 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 Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1402) · FFIEC NIC profile (RSSD 279954)