The Citizens Bank of Clovis: 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 Total interest expense: 8.3% higher than in Q1 2026, at $2.3M. On net interest margin, The Citizens Bank of Clovis is 3rd from the bottom among 29 New Mexico banks, 3.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens Bank of Clovis sits 0.33 points lower, at 3.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 2.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $2.3M |
| 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 |
|---|---|---|---|
| Q3 2023 | 5.12% | 2.12% | 3.23% |
| Q4 2023 | 5.88% | 2.37% | 3.70% |
| Q1 2024 | 5.33% | 2.34% | 3.12% |
| Q2 2024 | 5.52% | 3.01% | 3.22% |
| Q3 2024 | 5.94% | 3.18% | 3.51% |
| Q4 2024 | 5.67% | 2.83% | 3.46% |
| Q1 2025 | 5.47% | 2.28% | 3.29% |
| Q2 2025 | 5.29% | 2.23% | 3.14% |
| Q3 2025 | 5.40% | 2.22% | 3.26% |
| Q4 2025 | 5.34% | 2.01% | 3.38% |
| Q1 2026 | 5.09% | 1.79% | 3.36% |
| Q2 2026 | 5.55% | 1.98% | 3.62% |
The Citizens Bank of Clovis 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 of Clovis, 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 of Clovis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11491) · FFIEC NIC profile (RSSD 710859)