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.
Compared with Q1 2026, Net interest margin rose 0.13 percentage points in Q2 2026 to 3.95%, the biggest move on this page. Within Tennessee, Citizens Bank is 53rd of 109 on net interest margin, 3.95% as of Q2 2026, above the middle of the field. At 3.95%, Citizens Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.2M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.8M |
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 |
|---|---|---|---|
| Q3 2023 | 4.73% | 2.02% | 3.02% |
| Q4 2023 | 4.89% | 2.26% | 2.99% |
| Q1 2024 | 5.17% | 2.49% | 2.96% |
| Q2 2024 | 4.96% | 2.66% | 2.73% |
| Q3 2024 | 5.47% | 2.65% | 3.10% |
| Q4 2024 | 5.54% | 2.61% | 3.25% |
| Q1 2025 | 5.54% | 2.44% | 3.33% |
| Q2 2025 | 5.93% | 2.27% | 3.86% |
| Q3 2025 | 5.93% | 2.24% | 3.89% |
| Q4 2025 | 5.85% | 2.25% | 3.87% |
| Q1 2026 | 5.75% | 2.17% | 3.82% |
| Q2 2026 | 5.82% | 2.12% | 3.95% |
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 893) · FFIEC NIC profile (RSSD 126834)