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.
Total interest expense rose 5.9% from Q1 2026 to Q2 2026, ending at $2.0M against $1.9M. It was the largest change among the key lines on this page. Within Texas, Citizens Bank is 117th of 345 on net interest margin, 4.44% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Citizens Bank sits 0.50 points higher, at 4.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 7.06% |
| Yield on securities | 4.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 1304.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 3.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.9M |
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 | 4.59% | 0.68% | 3.97% | 5.84% | 2.46% |
| Q4 2023 | 4.87% | 0.79% | 4.17% | 6.23% | 2.44% |
| Q1 2024 | 4.81% | 0.94% | 3.97% | 6.13% | 2.46% |
| Q2 2024 | 5.02% | 1.22% | 3.94% | 6.29% | 2.57% |
| Q3 2024 | 5.25% | 1.63% | 3.81% | 6.68% | 2.57% |
| Q4 2024 | 5.24% | 1.61% | 3.82% | 6.60% | 2.65% |
| Q1 2025 | 5.28% | 1.57% | 3.88% | 6.58% | 2.63% |
| Q2 2025 | 6.97% | 2.01% | 5.58% | 9.15% | 2.71% |
| Q3 2025 | 5.68% | 2.00% | 4.29% | 6.81% | 2.85% |
| Q4 2025 | 5.86% | 1.96% | 4.50% | 7.04% | 2.90% |
| Q1 2026 | 5.80% | 1.98% | 4.27% | 6.73% | 4.44% |
| Q2 2026 | 6.14% | 2.16% | 4.44% | 7.06% | 4.49% |
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 16817) · FFIEC NIC profile (RSSD 744854)