Citizens Bank of Kentucky, Inc: 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 standout move of Q3 2026 was in Cost of borrowings: 2.10 percentage points higher than in Q2 2026, at 2.45%. Within Kentucky, Citizens Bank of Kentucky, Inc is 75th of 119 on net interest margin, 3.79% as of Q3 2026, below the middle of the field. Citizens Bank of Kentucky, Inc reported 3.79% on net interest margin for Q3 2026, 0.16 points below the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.87% |
| Yield on loans | 6.23% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | 2.45% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 4.15% | 1.21% | 3.05% | 5.36% | 2.90% |
| Q1 2024 | 4.21% | 1.31% | 3.00% | 5.48% | 2.91% |
| Q2 2024 | 4.35% | 1.34% | 3.13% | 5.67% | 2.93% |
| Q3 2024 | 4.60% | 1.49% | 3.24% | 6.15% | 2.92% |
| Q4 2024 | 4.50% | 1.51% | 3.12% | 5.85% | 2.96% |
| Q1 2025 | 4.40% | 1.36% | 3.16% | 5.72% | 2.98% |
| Q2 2025 | 4.54% | 1.32% | 3.34% | 5.84% | 3.08% |
| Q3 2025 | 4.55% | 1.37% | 3.30% | 5.91% | 3.11% |
| Q4 2025 | 4.63% | 1.37% | 3.38% | 5.93% | 3.18% |
| Q1 2026 | 4.59% | 1.27% | 3.44% | 5.88% | 3.18% |
| Q2 2026 | 4.70% | 1.21% | 3.60% | 5.98% | 3.19% |
| Q3 2026 | 4.87% | 1.21% | 3.79% | 6.23% | 3.21% |
Citizens Bank of Kentucky, Inc 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 Kentucky, Inc, 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 Kentucky, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2718) · FFIEC NIC profile (RSSD 495419)