The Citizens Bank of Edmond: 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.
Total interest expense climbed 10.1% in Q2 2026, from $1.8M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Citizens Bank of Edmond is 89th of 169 on net interest margin, 4.19% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens Bank of Edmond sits 0.24 points higher, at 4.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.15% |
| Yield on loans | 6.45% |
| Yield on securities | 3.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 1.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 5.44% | 1.42% | 4.06% | 5.62% | 2.41% |
| Q4 2023 | 5.58% | 1.61% | 4.03% | 5.75% | 2.45% |
| Q1 2024 | 5.43% | 1.75% | 3.72% | 5.54% | 2.41% |
| Q2 2024 | 5.71% | 1.72% | 4.02% | 5.87% | 2.49% |
| Q3 2024 | 5.98% | 1.81% | 4.23% | 6.17% | 2.61% |
| Q4 2024 | 6.12% | 1.84% | 4.33% | 6.33% | 3.23% |
| Q1 2025 | 5.93% | 1.91% | 4.07% | 6.07% | 3.57% |
| Q2 2025 | 6.26% | 1.98% | 4.34% | 6.43% | 4.11% |
| Q3 2025 | 6.19% | 1.98% | 4.29% | 6.36% | 3.93% |
| Q4 2025 | 6.31% | 1.96% | 4.44% | 6.55% | 3.88% |
| Q1 2026 | 5.98% | 1.94% | 4.10% | 6.28% | 3.88% |
| Q2 2026 | 6.15% | 2.02% | 4.19% | 6.45% | 3.93% |
The Citizens Bank of Edmond 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 Edmond, 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 Edmond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4084) · FFIEC NIC profile (RSSD 172457)