Citizens Bank of Ada: 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, Cost of interest-bearing deposits rose 0.29 percentage points in Q2 2026 to 1.94%, the biggest move on this page. Citizens Bank of Ada ranks 76th of 169 Oklahoma banks on net interest margin, in the upper half at 4.31% (Q2 2026). Citizens Bank of Ada reported 4.31% on net interest margin for Q2 2026, 0.36 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | 7.19% |
| Yield on securities | 3.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | 0.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| 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 | 4.90% | 1.12% | 3.83% | 6.50% | 2.62% |
| Q4 2023 | 5.21% | 1.17% | 4.11% | 6.90% | 2.72% |
| Q1 2024 | 5.36% | 1.25% | 4.15% | 6.99% | 2.90% |
| Q2 2024 | 5.46% | 1.26% | 4.29% | 7.08% | 3.02% |
| Q3 2024 | 5.48% | 1.40% | 4.16% | 7.08% | 3.13% |
| Q4 2024 | 5.61% | 1.34% | 4.36% | 7.24% | 3.21% |
| Q1 2025 | 5.50% | 1.19% | 4.38% | 7.15% | 3.20% |
| Q2 2025 | 5.63% | 1.26% | 4.46% | 7.28% | 3.25% |
| Q3 2025 | 5.65% | 1.29% | 4.45% | 7.30% | 3.31% |
| Q4 2025 | 5.74% | 1.22% | 4.61% | 7.33% | 3.45% |
| Q1 2026 | 5.46% | 1.19% | 4.36% | 7.06% | 3.48% |
| Q2 2026 | 5.57% | 1.36% | 4.31% | 7.19% | 3.69% |
Citizens Bank of Ada 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 of Ada, 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 of Ada profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19679) · FFIEC NIC profile (RSSD 807656)