Citizens Bank of Cumberland County, 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.
Compared with Q1 2026, Net interest margin rose 0.16 percentage points in Q2 2026 to 4.99%, the biggest move on this page. Among 119 Kentucky banks, Citizens Bank of Cumberland County, Inc. sits 7th from the top on net interest margin, 4.99% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Citizens Bank of Cumberland County, Inc. sits 1.10 points higher, at 4.99% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.48% |
| Yield on loans | 7.64% |
| Yield on securities | 3.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.99% |
| Yield to cost spread | 4.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $346K |
| Interest expense on deposits | $326K |
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 | 5.78% | 1.51% | 4.38% | 7.23% | 1.41% |
| Q4 2023 | 6.08% | 1.53% | 4.65% | 7.47% | 1.68% |
| Q1 2024 | 6.09% | 1.62% | 4.59% | 7.41% | 1.74% |
| Q2 2024 | 6.25% | 1.58% | 4.79% | 7.53% | 2.01% |
| Q3 2024 | 6.54% | 1.73% | 4.89% | 7.77% | 2.50% |
| Q4 2024 | 6.61% | 1.85% | 4.87% | 7.80% | 2.84% |
| Q1 2025 | 6.52% | 1.79% | 4.75% | 7.67% | 2.85% |
| Q2 2025 | 6.61% | 1.68% | 4.97% | 7.72% | 3.35% |
| Q3 2025 | 6.36% | 1.74% | 4.78% | 7.79% | 2.62% |
| Q4 2025 | 6.55% | 1.71% | 4.96% | 7.84% | 3.33% |
| Q1 2026 | 6.41% | 1.70% | 4.83% | 7.59% | 3.50% |
| Q2 2026 | 6.48% | 1.64% | 4.99% | 7.64% | 3.53% |
Citizens Bank of Cumberland County, 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 of Cumberland County, 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 of Cumberland County, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35442) · FFIEC NIC profile (RSSD 2921622)