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.
Cost of borrowings rose 0.31 percentage points from Q1 2026 to Q2 2026, ending at 4.54% against 4.23%. It was the largest change among the key lines on this page. Within Kentucky, Citizens Bank is 51st of 119 on net interest margin, 4.09% as of Q2 2026. Citizens Bank reported 4.09% on net interest margin for Q2 2026, 0.15 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 6.62% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 4.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 5.18% | 1.63% | 3.59% | 5.41% | 2.26% |
| Q4 2023 | 5.32% | 1.90% | 3.48% | 5.55% | 2.28% |
| Q1 2024 | 5.50% | 1.96% | 3.58% | 5.73% | 2.32% |
| Q2 2024 | 5.68% | 2.13% | 3.59% | 5.94% | 2.29% |
| Q3 2024 | 6.03% | 2.41% | 3.68% | 6.32% | 2.87% |
| Q4 2024 | 6.06% | 2.46% | 3.66% | 6.43% | 4.16% |
| Q1 2025 | 6.07% | 2.27% | 3.87% | 6.41% | 3.92% |
| Q2 2025 | 6.19% | 2.27% | 3.98% | 6.52% | 3.86% |
| Q3 2025 | 6.32% | 2.33% | 4.06% | 6.62% | 3.90% |
| Q4 2025 | 6.43% | 2.31% | 4.19% | 6.71% | 3.83% |
| Q1 2026 | 6.22% | 2.27% | 4.02% | 6.49% | 3.57% |
| Q2 2026 | 6.29% | 2.28% | 4.09% | 6.62% | 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 262) · FFIEC NIC profile (RSSD 840019)