The Citizens Bank of Edina: 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 0.19 percentage points in Q2 2026 to 5.16%, the biggest move on this page. Among 192 Missouri banks, The Citizens Bank of Edina sits 15th from the top on net interest margin, 5.16% as of Q2 2026. The Citizens Bank of Edina reported 5.16% on net interest margin for Q2 2026, 1.21 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | 7.24% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.16% |
| Yield to cost spread | 4.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $290K |
| Interest expense on deposits | $290K |
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 | 5.80% | 1.00% | 4.89% | 6.46% | 1.88% |
| Q4 2023 | 5.99% | 1.20% | 4.88% | 6.69% | 1.93% |
| Q1 2024 | 6.20% | 1.29% | 5.03% | 6.92% | 1.85% |
| Q2 2024 | 6.34% | 1.47% | 5.04% | 7.08% | 2.01% |
| Q3 2024 | 6.58% | 1.56% | 5.18% | 7.33% | 2.04% |
| Q4 2024 | 6.34% | 1.50% | 5.00% | 7.30% | 2.74% |
| Q1 2025 | 6.22% | 1.37% | 4.98% | 7.23% | 2.90% |
| Q2 2025 | 6.30% | 1.32% | 5.14% | 7.33% | 3.08% |
| Q3 2025 | 6.35% | 1.32% | 5.18% | 7.35% | 3.18% |
| Q4 2025 | 6.31% | 1.33% | 5.11% | 7.35% | 3.40% |
| Q1 2026 | 6.09% | 1.29% | 4.97% | 7.12% | 3.51% |
| Q2 2026 | 6.30% | 1.29% | 5.16% | 7.24% | 3.42% |
The Citizens Bank of Edina 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 Edina, 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 Edina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12457) · FFIEC NIC profile (RSSD 699253)