Citizens Bank and Trust Company: 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 Net interest margin: 0.53 percentage points higher than in Q1 2026, at 5.38%. On net interest margin, Citizens Bank and Trust Company ranks 4th highest among the 57 banks headquartered in Mississippi, at 5.38% (Q2 2026). Citizens Bank and Trust Company reported 5.38% on net interest margin for Q2 2026, 1.49 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.88% |
| Yield on loans | 8.10% |
| Yield on securities | 3.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | 3.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.38% |
| Yield to cost spread | 4.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $341K |
| Interest expense on deposits | $339K |
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 | 5.81% | 1.21% | 4.63% | 6.78% | 2.58% |
| Q4 2023 | 5.53% | 1.46% | 4.19% | 6.82% | 2.54% |
| Q1 2024 | 5.69% | 1.70% | 4.11% | 6.90% | 3.47% |
| Q2 2024 | 6.20% | 1.77% | 4.53% | 7.38% | 2.80% |
| Q3 2024 | 6.78% | 1.91% | 4.97% | 7.74% | 2.15% |
| Q4 2024 | 6.51% | 1.99% | 4.65% | 7.70% | 1.80% |
| Q1 2025 | 6.23% | 1.69% | 4.60% | 7.82% | 2.04% |
| Q2 2025 | 6.52% | 1.69% | 4.95% | 7.72% | 1.92% |
| Q3 2025 | 8.12% | 1.69% | 6.52% | 9.34% | 1.80% |
| Q4 2025 | 6.71% | 1.55% | 5.29% | 8.01% | 2.03% |
| Q1 2026 | 6.30% | 1.53% | 4.85% | 8.11% | 2.98% |
| Q2 2026 | 6.88% | 1.61% | 5.38% | 8.10% | 3.09% |
Citizens Bank and Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9777) · FFIEC NIC profile (RSSD 729945)