Citizens' Bank, Inc.: 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 Cost of borrowings: 4.37 percentage points lower than in Q1 2026, at 4.72%. Citizens' Bank, Inc. ranks 39th of 93 Alabama banks on net interest margin, in the upper half at 3.98% (Q2 2026). At 3.98%, Citizens' Bank, Inc.'s net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 6.81% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 4.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $492K |
| Interest expense on deposits | $478K |
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 | 4.52% | 1.71% | 2.88% | 5.65% | 2.58% |
| Q4 2023 | 4.80% | 2.03% | 2.85% | 6.05% | 2.65% |
| Q1 2024 | 4.73% | 2.36% | 2.80% | 6.08% | 2.61% |
| Q2 2024 | 4.93% | 1.84% | 3.09% | 6.28% | 2.63% |
| Q3 2024 | 4.82% | 1.93% | 3.00% | 6.36% | 2.62% |
| Q4 2024 | 4.85% | 1.86% | 3.12% | 6.38% | 2.77% |
| Q1 2025 | 4.88% | 1.71% | 3.28% | 6.46% | 2.86% |
| Q2 2025 | 4.95% | 1.96% | 3.41% | 6.52% | 2.98% |
| Q3 2025 | 5.10% | 1.55% | 3.66% | 6.76% | 2.99% |
| Q4 2025 | 5.02% | 1.86% | 3.61% | 6.57% | 3.08% |
| Q1 2026 | 4.98% | 1.37% | 3.70% | 6.43% | 2.88% |
| Q2 2026 | 5.25% | 1.36% | 3.98% | 6.81% | 3.06% |
Citizens' Bank, Inc. 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, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23523) · FFIEC NIC profile (RSSD 563336)