Citizens' Bank of Charleston: 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, Yield on securities rose 0.73 percentage points in Q2 2026 to 4.67%, the biggest move on this page. On net interest margin, Citizens' Bank of Charleston ranks 18th highest among the 192 banks headquartered in Missouri, at 5.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens' Bank of Charleston sits 1.12 points higher, at 5.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.61% |
| Yield on loans | 7.13% |
| Yield on securities | 4.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.07% |
| Yield to cost spread | 4.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $692K |
| Interest expense on deposits | $692K |
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 | 5.79% | 1.17% | 4.80% | 6.52% | 3.42% |
| Q4 2023 | 5.86% | 1.47% | 4.63% | 6.67% | 3.40% |
| Q1 2024 | 5.77% | 1.67% | 4.36% | 6.61% | 3.44% |
| Q2 2024 | 6.27% | 1.81% | 4.77% | 7.01% | 3.53% |
| Q3 2024 | 6.40% | 1.96% | 4.76% | 7.15% | 3.54% |
| Q4 2024 | 6.24% | 2.00% | 4.59% | 7.12% | 3.54% |
| Q1 2025 | 6.05% | 1.91% | 4.44% | 7.01% | 3.63% |
| Q2 2025 | 6.42% | 2.01% | 4.77% | 7.11% | 3.63% |
| Q3 2025 | 6.79% | 2.05% | 5.10% | 7.31% | 4.17% |
| Q4 2025 | 6.61% | 1.97% | 4.97% | 7.22% | 4.34% |
| Q1 2026 | 6.23% | 1.83% | 4.71% | 7.02% | 3.94% |
| Q2 2026 | 6.61% | 1.89% | 5.07% | 7.13% | 4.67% |
Citizens' Bank of Charleston 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 Charleston, 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 Charleston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17830) · FFIEC NIC profile (RSSD 376947)