Citizens Bank of Rogersville: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.14 percentage points to 4.25%. Citizens Bank of Rogersville ranks 72nd of 192 Missouri banks on net interest margin, in the upper half at 4.25% (Q2 2026). Citizens Bank of Rogersville reported 4.25% on net interest margin for Q2 2026, 0.30 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 7.13% |
| Yield on securities | 2.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 4.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $574K |
| Interest expense on deposits | $517K |
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 | 5.41% | 2.12% | 3.40% | 6.13% | 1.54% |
| Q4 2023 | 5.71% | 2.27% | 3.58% | 6.53% | 1.53% |
| Q1 2024 | 5.76% | 2.39% | 3.50% | 6.55% | 1.52% |
| Q2 2024 | 6.05% | 2.52% | 3.66% | 6.90% | 1.51% |
| Q3 2024 | 6.20% | 2.67% | 3.67% | 7.04% | 1.64% |
| Q4 2024 | 6.35% | 2.63% | 3.86% | 7.21% | 1.60% |
| Q1 2025 | 6.16% | 2.31% | 3.99% | 7.03% | 1.53% |
| Q2 2025 | 6.17% | 2.24% | 4.08% | 7.11% | 1.77% |
| Q3 2025 | 6.26% | 2.31% | 4.11% | 7.27% | 2.01% |
| Q4 2025 | 6.22% | 2.34% | 4.04% | 7.18% | 2.05% |
| Q1 2026 | 6.12% | 2.15% | 4.11% | 7.02% | 2.15% |
| Q2 2026 | 6.19% | 2.09% | 4.25% | 7.13% | 2.27% |
Citizens Bank of Rogersville 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 Rogersville, 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 Rogersville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8572) · FFIEC NIC profile (RSSD 246451)