Citizens 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 standout move of Q2 2026 was in Yield on securities: 0.84 percentage points higher than in Q1 2026, at 3.63%. Within Missouri, Citizens Bank is 78th of 191 on net interest margin, 4.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Citizens Bank sits 0.25 points higher, at 4.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 6.22% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.67% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 5.43% | 1.80% | 3.81% | 5.48% | 3.35% |
| Q4 2023 | 5.72% | 2.03% | 3.91% | 5.79% | 3.55% |
| Q1 2024 | 5.83% | 2.25% | 3.80% | 5.90% | 3.54% |
| Q2 2024 | 6.00% | 2.35% | 3.91% | 6.10% | 3.57% |
| Q3 2024 | 6.11% | 2.38% | 4.01% | 6.20% | 3.66% |
| Q4 2024 | 6.11% | 2.30% | 4.08% | 6.21% | 3.55% |
| Q1 2025 | 5.98% | 2.20% | 4.03% | 6.10% | 3.30% |
| Q2 2025 | 6.11% | 2.20% | 4.16% | 6.21% | 3.76% |
| Q3 2025 | 6.27% | 2.27% | 4.24% | 6.40% | 3.48% |
| Q4 2025 | 6.14% | 2.26% | 4.15% | 6.33% | 3.79% |
| Q1 2026 | 5.93% | 2.15% | 4.03% | 6.16% | 2.79% |
| Q2 2026 | 5.99% | 2.02% | 4.19% | 6.22% | 3.63% |
Citizens 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 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14488) · FFIEC NIC profile (RSSD 1001853)