Citizens Bank of Edinburg: 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.
In Q3 2026, Yield on loans edged up by 0.17 percentage points, from 5.70% to 5.87%, the largest move among the key lines here. Within Illinois, Citizens Bank of Edinburg is 192nd of 323 on net interest margin, 3.54% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Citizens Bank of Edinburg sits 0.35 points lower, at 3.54% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.41% |
| Yield on loans | 5.87% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.88% |
| Cost of interest-bearing deposits | 1.13% |
| Cost of interest-bearing liabilities | 1.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $123K |
| Total interest expense | $57K |
| Interest expense on deposits | $57K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.65% | 0.91% | 3.64% | 4.71% | 3.16% |
| Q1 2024 | 3.99% | 0.95% | 3.08% | 4.69% | 3.22% |
| Q2 2024 | 4.13% | 1.07% | 3.12% | 4.81% | 3.37% |
| Q3 2024 | 4.31% | 1.05% | 3.31% | 4.86% | 3.39% |
| Q4 2024 | 4.14% | 1.00% | 3.18% | 5.13% | 3.42% |
| Q1 2025 | 4.03% | 0.91% | 3.17% | 5.06% | 3.55% |
| Q2 2025 | 4.27% | 0.84% | 3.46% | 5.08% | 3.56% |
| Q3 2025 | 4.44% | 0.84% | 3.63% | 5.40% | 3.82% |
| Q4 2025 | 4.46% | 0.91% | 3.58% | 5.77% | 3.85% |
| Q1 2026 | 4.19% | 0.86% | 3.36% | 5.62% | 3.90% |
| Q2 2026 | 4.42% | 0.85% | 3.59% | 5.70% | 3.86% |
| Q3 2026 | 4.41% | 0.88% | 3.54% | 5.87% | 3.90% |
Citizens Bank of Edinburg 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 Edinburg, 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 Edinburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20454) · FFIEC NIC profile (RSSD 915935)