Citizens Bank of Kansas: 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 2.75%. Within Kansas, Citizens Bank of Kansas is 161st of 182 on net interest margin, 3.27% as of Q2 2026, below the middle of the field. Citizens Bank of Kansas reported 3.27% on net interest margin for Q2 2026, 0.68 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.35% |
| Yield on loans | 6.16% |
| Yield on securities | 2.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.44% |
| Cost of borrowings | 3.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.3M |
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 | 3.88% | 0.99% | 2.94% | 5.43% | 2.36% |
| Q4 2023 | 4.01% | 1.26% | 2.83% | 5.58% | 2.34% |
| Q1 2024 | 4.10% | 1.35% | 2.83% | 5.69% | 2.38% |
| Q2 2024 | 4.19% | 1.47% | 2.81% | 5.81% | 2.48% |
| Q3 2024 | 4.25% | 1.36% | 2.82% | 5.99% | 2.49% |
| Q4 2024 | 4.28% | 1.29% | 2.94% | 6.04% | 2.47% |
| Q1 2025 | 4.32% | 1.36% | 3.02% | 6.09% | 2.47% |
| Q2 2025 | 4.37% | 1.29% | 3.14% | 6.16% | 2.55% |
| Q3 2025 | 4.40% | 1.26% | 3.20% | 6.24% | 2.57% |
| Q4 2025 | 4.40% | 1.20% | 3.27% | 6.25% | 2.60% |
| Q1 2026 | 4.31% | 1.16% | 3.21% | 6.10% | 2.63% |
| Q2 2026 | 4.35% | 1.13% | 3.27% | 6.16% | 2.75% |
Citizens Bank of Kansas 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 Kansas, 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 Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4707) · FFIEC NIC profile (RSSD 1014853)