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 biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged down 0.20 percentage points between Q1 2026 and Q2 2026, to 0.71%. On net interest margin, Citizens Bank is 3rd from the bottom among 12 Oregon banks, 3.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens Bank sits 0.61 points lower, at 3.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.86% |
| Yield on loans | 5.85% |
| Yield on securities | 1.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.57% |
| Cost of interest-bearing deposits | 1.10% |
| Cost of interest-bearing liabilities | 1.08% |
| Cost of borrowings | 0.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $985K |
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 | 4.20% | 1.05% | 3.13% | 5.71% | 2.25% |
| Q4 2023 | 4.36% | 1.11% | 3.24% | 5.81% | 2.33% |
| Q1 2024 | 4.32% | 1.26% | 3.05% | 5.75% | 2.24% |
| Q2 2024 | 4.22% | 1.19% | 3.06% | 5.79% | 2.11% |
| Q3 2024 | 4.17% | 0.92% | 3.27% | 5.81% | 2.05% |
| Q4 2024 | 3.81% | 0.42% | 3.42% | 5.81% | 1.81% |
| Q1 2025 | 3.78% | 0.42% | 3.40% | 5.74% | 1.79% |
| Q2 2025 | 3.81% | 0.52% | 3.33% | 5.82% | 1.68% |
| Q3 2025 | 3.87% | 0.64% | 3.28% | 5.93% | 1.65% |
| Q4 2025 | 3.94% | 0.61% | 3.38% | 6.02% | 1.88% |
| Q1 2026 | 3.80% | 0.52% | 3.33% | 5.79% | 1.87% |
| Q2 2026 | 3.86% | 0.57% | 3.34% | 5.85% | 1.81% |
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 17809) · FFIEC NIC profile (RSSD 98463)