Citizens Bank Minnesota: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 2.9% to $2.4M. Within Minnesota, Citizens Bank Minnesota is 195th of 221 on net interest margin, 3.17% as of Q2 2026, below the middle of the field. Citizens Bank Minnesota reported 3.17% on net interest margin for Q2 2026, 0.78 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.89% |
| Yield on loans | 5.94% |
| Yield on securities | 2.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.2M |
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 | 3.99% | 1.46% | 2.47% | 5.16% | 1.60% |
| Q4 2023 | 4.12% | 1.63% | 2.43% | 5.29% | 1.63% |
| Q1 2024 | 4.18% | 1.71% | 2.42% | 5.34% | 1.63% |
| Q2 2024 | 4.36% | 2.00% | 2.33% | 5.57% | 1.61% |
| Q3 2024 | 4.53% | 2.02% | 2.49% | 5.69% | 1.61% |
| Q4 2024 | 4.58% | 1.96% | 2.59% | 5.70% | 1.71% |
| Q1 2025 | 4.51% | 1.85% | 2.64% | 5.63% | 1.75% |
| Q2 2025 | 4.63% | 1.90% | 2.72% | 5.78% | 1.86% |
| Q3 2025 | 4.76% | 1.95% | 2.80% | 5.94% | 1.91% |
| Q4 2025 | 4.87% | 1.88% | 2.96% | 6.01% | 2.08% |
| Q1 2026 | 4.80% | 1.69% | 3.10% | 5.86% | 2.10% |
| Q2 2026 | 4.89% | 1.71% | 3.17% | 5.94% | 2.31% |
Citizens Bank Minnesota 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 Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8200) · FFIEC NIC profile (RSSD 874050)