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 0.19 percentage points in Q2 2026 to 3.68%, the biggest move on this page. Within Indiana, Citizens Bank is 42nd of 87 on net interest margin, 3.68% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Citizens Bank sits 0.26 points lower, at 3.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.21% |
| Yield on loans | 5.73% |
| Yield on securities | 4.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 4.50% | 1.37% | 3.21% | 5.08% | 3.44% |
| Q4 2023 | 4.69% | 1.67% | 3.12% | 5.20% | 3.56% |
| Q1 2024 | 4.66% | 1.83% | 2.96% | 5.22% | 3.52% |
| Q2 2024 | 4.80% | 1.81% | 3.09% | 5.36% | 3.57% |
| Q3 2024 | 4.95% | 1.93% | 3.26% | 5.53% | 3.65% |
| Q4 2024 | 4.96% | 1.72% | 3.37% | 5.56% | 3.57% |
| Q1 2025 | 5.03% | 1.58% | 3.55% | 5.56% | 3.84% |
| Q2 2025 | 5.10% | 1.63% | 3.57% | 5.59% | 3.95% |
| Q3 2025 | 5.11% | 1.78% | 3.44% | 5.69% | 3.98% |
| Q4 2025 | 5.18% | 1.77% | 3.54% | 5.73% | 3.91% |
| Q1 2026 | 5.04% | 1.66% | 3.49% | 5.63% | 3.91% |
| Q2 2026 | 5.21% | 1.65% | 3.68% | 5.73% | 4.07% |
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 9647) · FFIEC NIC profile (RSSD 44741)