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.
Yield on securities rose 0.34 percentage points from Q1 2026 to Q2 2026, ending at 3.82% against 3.48%. It was the largest change among the key lines on this page. Citizens Bank ranks 165th of 345 Texas banks on net interest margin, in the upper half at 4.19% (Q2 2026). Citizens Bank reported 4.19% on net interest margin for Q2 2026, 0.24 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.44% |
| Yield on loans | 8.20% |
| Yield on securities | 3.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.39% |
| Cost of interest-bearing deposits | 3.02% |
| Cost of interest-bearing liabilities | 2.97% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 7.49% | 2.36% | 5.18% | 8.85% | 1.38% |
| Q4 2023 | 7.53% | 2.55% | 5.07% | 9.14% | 1.59% |
| Q1 2024 | 7.55% | 2.61% | 5.06% | 9.19% | 1.99% |
| Q2 2024 | 7.97% | 2.74% | 5.33% | 9.34% | 2.31% |
| Q3 2024 | 8.21% | 2.87% | 5.42% | 9.48% | 2.62% |
| Q4 2024 | 7.58% | 2.79% | 4.92% | 9.17% | 2.73% |
| Q1 2025 | 7.24% | 2.53% | 4.85% | 8.81% | 3.00% |
| Q2 2025 | 7.24% | 2.57% | 4.80% | 8.80% | 2.97% |
| Q3 2025 | 7.33% | 2.67% | 4.81% | 8.75% | 3.11% |
| Q4 2025 | 6.86% | 2.59% | 4.41% | 8.65% | 3.45% |
| Q1 2026 | 6.38% | 2.41% | 4.11% | 8.02% | 3.48% |
| Q2 2026 | 6.44% | 2.39% | 4.19% | 8.20% | 3.82% |
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 3140) · FFIEC NIC profile (RSSD 885252)