The Citizens Bank of Philadelphia: 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: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.44%. The Citizens Bank of Philadelphia ranks 45th of 57 Mississippi banks on net interest margin, in the lower half at 3.44% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Citizens Bank of Philadelphia sits 0.27 points lower, at 3.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | 6.86% |
| Yield on securities | 2.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | 2.41% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.44% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.9M |
| Total interest expense | $5.9M |
| Interest expense on deposits | $5.3M |
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 | 4.08% | 1.38% | 2.53% | 5.85% | 2.08% |
| Q4 2023 | 4.34% | 1.72% | 2.39% | 6.27% | 2.06% |
| Q1 2024 | 4.60% | 1.86% | 2.51% | 6.38% | 2.08% |
| Q2 2024 | 4.84% | 1.94% | 2.68% | 6.75% | 2.06% |
| Q3 2024 | 4.96% | 2.08% | 2.64% | 6.84% | 2.32% |
| Q4 2024 | 5.02% | 1.93% | 2.86% | 6.91% | 2.39% |
| Q1 2025 | 4.98% | 1.99% | 2.99% | 6.83% | 2.34% |
| Q2 2025 | 5.04% | 1.87% | 3.15% | 6.84% | 2.32% |
| Q3 2025 | 5.11% | 1.89% | 3.19% | 6.94% | 2.30% |
| Q4 2025 | 5.19% | 1.88% | 3.33% | 7.08% | 2.22% |
| Q1 2026 | 5.05% | 1.71% | 3.35% | 6.85% | 2.07% |
| Q2 2026 | 5.10% | 1.68% | 3.44% | 6.86% | 2.08% |
The Citizens Bank of Philadelphia 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 Philadelphia, 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 Philadelphia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12204) · FFIEC NIC profile (RSSD 29636)