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.
Compared with Q1 2026, Net interest margin rose 0.19 percentage points in Q2 2026 to 4.58%, the biggest move on this page. Within Virginia, Citizens Bank and Trust Company is 9th of 56 on net interest margin, 4.58% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens Bank and Trust Company sits 0.63 points higher, at 4.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 7.10% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.95% |
| Cost of interest-bearing deposits | 1.26% |
| Cost of interest-bearing liabilities | 1.26% |
| Cost of borrowings | 1.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.58% |
| Yield to cost spread | 4.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.37% | 0.50% | 3.81% | 6.05% | 2.55% |
| Q4 2023 | 4.45% | 0.61% | 3.77% | 6.15% | 2.55% |
| Q1 2024 | 4.50% | 0.80% | 3.77% | 6.21% | 2.59% |
| Q2 2024 | 4.61% | 0.88% | 3.80% | 6.34% | 2.69% |
| Q3 2024 | 4.77% | 0.91% | 3.94% | 6.63% | 2.75% |
| Q4 2024 | 4.83% | 0.91% | 4.01% | 6.70% | 2.78% |
| Q1 2025 | 4.83% | 0.92% | 3.99% | 6.61% | 2.88% |
| Q2 2025 | 5.04% | 0.98% | 4.16% | 6.78% | 3.07% |
| Q3 2025 | 5.24% | 0.97% | 4.36% | 6.98% | 3.21% |
| Q4 2025 | 5.28% | 0.97% | 4.41% | 7.02% | 3.36% |
| Q1 2026 | 5.27% | 0.98% | 4.39% | 6.94% | 3.48% |
| Q2 2026 | 5.43% | 0.95% | 4.58% | 7.10% | 3.64% |
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 823) · FFIEC NIC profile (RSSD 991621)