Citizens Bank of Eldon: 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 0.23 percentage points in Q2 2026 to 5.27%, the biggest move on this page. On net interest margin, Citizens Bank of Eldon ranks 11th highest among the 191 banks headquartered in Missouri, at 5.27% (Q2 2026). Citizens Bank of Eldon reported 5.27% on net interest margin for Q2 2026, 1.33 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.36% |
| Yield on loans | 6.93% |
| Yield on securities | 2.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.27% |
| Yield to cost spread | 4.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $636K |
| Interest expense on deposits | $636K |
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 | 4.78% | 1.19% | 3.66% | 6.07% | 0.80% |
| Q4 2023 | 5.05% | 1.30% | 3.84% | 6.34% | 0.86% |
| Q1 2024 | 5.31% | 1.43% | 3.97% | 6.56% | 0.87% |
| Q2 2024 | 5.49% | 1.40% | 4.20% | 6.67% | 0.89% |
| Q3 2024 | 5.72% | 1.55% | 4.28% | 6.86% | 0.90% |
| Q4 2024 | 5.75% | 1.57% | 4.31% | 6.87% | 1.10% |
| Q1 2025 | 5.86% | 1.42% | 4.54% | 6.94% | 1.28% |
| Q2 2025 | 6.11% | 1.37% | 4.83% | 7.14% | 1.43% |
| Q3 2025 | 6.17% | 1.35% | 4.94% | 7.11% | 1.60% |
| Q4 2025 | 6.35% | 1.34% | 5.13% | 7.17% | 1.86% |
| Q1 2026 | 6.23% | 1.29% | 5.04% | 6.93% | 2.08% |
| Q2 2026 | 6.36% | 1.18% | 5.27% | 6.93% | 2.44% |
Citizens Bank of Eldon 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 Eldon, 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 Eldon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1956) · FFIEC NIC profile (RSSD 954251)