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 0.14 percentage points in Q2 2026 to 5.12%, the biggest move on this page. Among 57 Mississippi banks, Citizens Bank sits 5th from the top on net interest margin, 5.12% as of Q2 2026. Citizens Bank reported 5.12% on net interest margin for Q2 2026, 1.18 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 7.34% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.96% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.58% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.12% |
| Yield to cost spread | 4.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.47% | 0.84% | 4.61% | 6.35% | 2.14% |
| Q4 2023 | 5.74% | 0.99% | 4.74% | 6.54% | 2.31% |
| Q1 2024 | 5.89% | 1.15% | 4.71% | 6.69% | 2.85% |
| Q2 2024 | 6.03% | 1.27% | 4.75% | 6.78% | 3.04% |
| Q3 2024 | 6.17% | 1.35% | 4.79% | 7.16% | 3.11% |
| Q4 2024 | 6.18% | 1.32% | 4.83% | 7.14% | 3.19% |
| Q1 2025 | 5.90% | 1.23% | 4.65% | 6.97% | 3.21% |
| Q2 2025 | 6.07% | 1.15% | 4.90% | 7.14% | 3.35% |
| Q3 2025 | 6.06% | 1.12% | 4.92% | 7.28% | 3.51% |
| Q4 2025 | 6.17% | 1.08% | 5.10% | 7.38% | 3.61% |
| Q1 2026 | 5.95% | 0.95% | 4.98% | 7.28% | 3.57% |
| Q2 2026 | 6.08% | 0.96% | 5.12% | 7.34% | 3.52% |
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 324) · FFIEC NIC profile (RSSD 514132)