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.
The standout move of Q2 2026 was in Cost of borrowings: 3.64 percentage points lower than in Q1 2026, at 0.00%. On net interest margin, Citizens Bank ranks 3rd highest among the 192 banks headquartered in Missouri, at 6.53% (Q2 2026). Citizens Bank's net interest margin of 6.53% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.58 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.63% |
| Yield on loans | 7.85% |
| Yield on securities | 4.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.11% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.53% |
| Yield to cost spread | 5.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $490K |
| Interest expense on deposits | $490K |
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 | 6.47% | 1.11% | 5.37% | 7.21% | 2.88% |
| Q4 2023 | 6.90% | 1.19% | 5.73% | 7.62% | 3.00% |
| Q1 2024 | 7.17% | 1.28% | 5.92% | 7.86% | 3.10% |
| Q2 2024 | 7.51% | 1.29% | 6.25% | 8.06% | 3.27% |
| Q3 2024 | 8.06% | 1.29% | 6.79% | 8.38% | 4.09% |
| Q4 2024 | 7.93% | 1.36% | 6.65% | 8.41% | 3.48% |
| Q1 2025 | 7.78% | 1.24% | 6.57% | 8.24% | 3.70% |
| Q2 2025 | 7.76% | 1.23% | 6.55% | 8.15% | 3.76% |
| Q3 2025 | 7.90% | 1.24% | 6.69% | 8.16% | 3.86% |
| Q4 2025 | 7.85% | 1.18% | 6.69% | 8.02% | 4.01% |
| Q1 2026 | 7.44% | 1.15% | 6.28% | 7.66% | 4.04% |
| Q2 2026 | 7.63% | 1.11% | 6.53% | 7.85% | 4.32% |
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 22601) · FFIEC NIC profile (RSSD 97457)