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, Total interest expense rose 5.8% in Q2 2026 to $7.7M, the biggest move on this page. Citizens Bank ranks 21st of 109 Tennessee banks on net interest margin, in the upper half at 4.53% (Q2 2026). Citizens Bank reported 4.53% on net interest margin for Q2 2026, 0.82 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.77% |
| Yield on loans | 7.11% |
| Yield on securities | 5.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.50% |
| Cost of interest-bearing deposits | 2.95% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.3M |
| Total interest expense | $7.7M |
| Interest expense on deposits | $7.3M |
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 | 6.63% | 2.27% | 4.63% | 6.85% | 4.48% |
| Q4 2023 | 6.72% | 2.72% | 4.34% | 6.92% | 5.67% |
| Q1 2024 | 6.67% | 2.89% | 4.11% | 6.86% | 5.68% |
| Q2 2024 | 6.78% | 2.94% | 4.16% | 7.00% | 5.65% |
| Q3 2024 | 6.92% | 2.99% | 4.29% | 7.14% | 5.62% |
| Q4 2024 | 6.85% | 2.87% | 4.33% | 7.10% | 5.49% |
| Q1 2025 | 6.54% | 2.75% | 4.08% | 6.86% | 5.28% |
| Q2 2025 | 6.57% | 2.76% | 4.17% | 7.08% | 5.28% |
| Q3 2025 | 6.81% | 2.68% | 4.41% | 7.17% | 5.28% |
| Q4 2025 | 6.74% | 2.61% | 4.46% | 7.18% | 5.40% |
| Q1 2026 | 6.55% | 2.47% | 4.38% | 7.04% | 5.07% |
| Q2 2026 | 6.77% | 2.50% | 4.53% | 7.11% | 5.13% |
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 14851) · FFIEC NIC profile (RSSD 778738)