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.
Net interest margin rose 0.21 percentage points from Q1 2026 to Q2 2026, ending at 3.94% against 3.73%. It was the largest change among the key lines on this page. Within Wisconsin, Citizens Bank is 64th of 153 on net interest margin, 3.94% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Citizens Bank sits 0.23 points higher, at 3.94% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | 6.26% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 3.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.7M |
| Total interest expense | $4.1M |
| Interest expense on deposits | $3.9M |
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 | 4.67% | 1.31% | 3.47% | 5.49% | 2.12% |
| Q4 2023 | 5.00% | 1.45% | 3.65% | 5.90% | 2.31% |
| Q1 2024 | 4.88% | 1.77% | 3.24% | 5.74% | 2.61% |
| Q2 2024 | 5.04% | 1.85% | 3.32% | 5.76% | 2.89% |
| Q3 2024 | 4.96% | 1.87% | 3.29% | 5.76% | 2.84% |
| Q4 2024 | 5.16% | 1.86% | 3.51% | 5.99% | 2.78% |
| Q1 2025 | 4.95% | 1.88% | 3.27% | 5.74% | 3.18% |
| Q2 2025 | 5.32% | 1.79% | 3.73% | 6.14% | 3.30% |
| Q3 2025 | 5.23% | 1.81% | 3.64% | 6.16% | 3.53% |
| Q4 2025 | 5.34% | 1.73% | 3.81% | 6.20% | 3.45% |
| Q1 2026 | 5.21% | 1.66% | 3.73% | 6.06% | 3.54% |
| Q2 2026 | 5.40% | 1.64% | 3.94% | 6.26% | 3.67% |
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 13055) · FFIEC NIC profile (RSSD 783844)