The Citizens Bank 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.
Cost of borrowings climbed 110.36 percentage points in Q2 2026, from 3.92% to 114.29%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Citizens Bank Company is 56th of 156 on net interest margin, 3.96% 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; The Citizens Bank Company reported 3.96% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 6.12% |
| Yield on securities | 4.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 114.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.75% | 1.50% | 3.34% | 5.14% | 3.93% |
| Q4 2023 | 4.91% | 1.37% | 3.45% | 5.40% | 3.90% |
| Q1 2024 | 4.89% | 1.61% | 3.39% | 5.39% | 3.90% |
| Q2 2024 | 4.84% | 1.71% | 3.25% | 5.55% | 3.43% |
| Q3 2024 | 5.14% | 1.84% | 3.43% | 5.76% | 3.98% |
| Q4 2024 | 5.26% | 1.89% | 3.51% | 5.95% | 4.01% |
| Q1 2025 | 5.06% | 1.82% | 3.37% | 5.89% | 3.56% |
| Q2 2025 | 5.52% | 1.88% | 3.78% | 6.10% | 4.45% |
| Q3 2025 | 5.51% | 1.85% | 3.81% | 6.17% | 4.34% |
| Q4 2025 | 5.38% | 1.81% | 3.71% | 6.17% | 4.01% |
| Q1 2026 | 5.37% | 1.53% | 3.97% | 6.06% | 4.24% |
| Q2 2026 | 5.32% | 1.49% | 3.96% | 6.12% | 4.02% |
The Citizens Bank 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 The Citizens Bank 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 The Citizens Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10266) · FFIEC NIC profile (RSSD 1010015)