Citizens Bank and Trust: 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: Yield on securities edged up 0.17 percentage points between Q1 2026 and Q2 2026, to 2.38%. Within Florida, Citizens Bank and Trust is 66th of 79 on net interest margin, 3.18% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Citizens Bank and Trust sits 0.53 points lower, at 3.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.52% |
| Yield on loans | 5.92% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 0.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.18% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.9M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.9M |
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 | 3.65% | 1.25% | 2.38% | 4.97% | 2.20% |
| Q4 2023 | 3.73% | 1.49% | 2.32% | 5.07% | 2.22% |
| Q1 2024 | 3.84% | 1.59% | 2.33% | 5.21% | 2.23% |
| Q2 2024 | 3.93% | 1.64% | 2.37% | 5.31% | 2.25% |
| Q3 2024 | 4.06% | 1.75% | 2.39% | 5.48% | 2.24% |
| Q4 2024 | 4.17% | 1.63% | 2.63% | 5.63% | 2.25% |
| Q1 2025 | 4.30% | 1.46% | 2.91% | 5.78% | 2.25% |
| Q2 2025 | 4.46% | 1.54% | 3.00% | 5.93% | 2.22% |
| Q3 2025 | 4.54% | 1.62% | 3.03% | 5.99% | 2.25% |
| Q4 2025 | 4.52% | 1.53% | 3.07% | 5.96% | 2.25% |
| Q1 2026 | 4.43% | 1.40% | 3.11% | 5.83% | 2.21% |
| Q2 2026 | 4.52% | 1.41% | 3.18% | 5.92% | 2.38% |
Citizens Bank and Trust 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 and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5673) · FFIEC NIC profile (RSSD 701839)