Citizens and Farmers 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, Yield on securities rose 0.38 percentage points in Q2 2026 to 3.73%, the biggest move on this page. Within Virginia, Citizens and Farmers Bank is 10th of 56 on net interest margin, 4.57% as of Q2 2026, above the middle of the field. Citizens and Farmers Bank reported 4.57% on net interest margin for Q2 2026, 0.86 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.69% |
| Yield on securities | 3.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 4.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $35.8M |
| Total interest expense | $10.2M |
| Interest expense on deposits | $9.8M |
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 | 5.59% | 1.00% | 4.43% | 6.62% | 2.38% |
| Q4 2023 | 5.80% | 1.19% | 4.43% | 6.68% | 2.77% |
| Q1 2024 | 5.79% | 1.68% | 4.23% | 6.63% | 2.82% |
| Q2 2024 | 5.89% | 1.83% | 4.21% | 6.74% | 2.58% |
| Q3 2024 | 5.97% | 1.95% | 4.18% | 6.86% | 2.22% |
| Q4 2024 | 6.01% | 1.92% | 4.26% | 6.84% | 2.68% |
| Q1 2025 | 5.88% | 1.82% | 4.20% | 6.66% | 2.85% |
| Q2 2025 | 5.99% | 1.75% | 4.38% | 6.74% | 2.99% |
| Q3 2025 | 6.08% | 1.79% | 4.45% | 6.83% | 3.10% |
| Q4 2025 | 6.02% | 1.79% | 4.40% | 6.78% | 3.24% |
| Q1 2026 | 5.94% | 1.71% | 4.39% | 6.63% | 3.35% |
| Q2 2026 | 6.08% | 1.67% | 4.57% | 6.69% | 3.73% |
Citizens and Farmers 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 and Farmers 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 and Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10363) · FFIEC NIC profile (RSSD 928421)