The Citizens Bank of Swainsboro: 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 0.12 percentage points between Q1 2026 and Q2 2026, to 4.96%. The Citizens Bank of Swainsboro ranks 30th of 121 Georgia banks on net interest margin, in the upper half at 4.96% (Q2 2026). The Citizens Bank of Swainsboro reported 4.96% on net interest margin for Q2 2026, 1.01 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.39% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.96% |
| Yield to cost spread | 4.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 |
|---|---|---|---|
| Q3 2023 | 5.98% | 1.09% | 4.96% |
| Q4 2023 | 6.27% | 1.15% | 5.09% |
| Q1 2024 | 6.27% | 1.26% | 4.98% |
| Q2 2024 | 6.59% | 1.57% | 5.15% |
| Q3 2024 | 6.86% | 1.65% | 5.30% |
| Q4 2024 | 6.61% | 1.59% | 5.14% |
| Q1 2025 | 6.31% | 1.57% | 4.85% |
| Q2 2025 | 6.55% | 1.58% | 5.11% |
| Q3 2025 | 6.67% | 1.62% | 5.18% |
| Q4 2025 | 6.59% | 1.65% | 5.09% |
| Q1 2026 | 6.27% | 1.57% | 4.84% |
| Q2 2026 | 6.39% | 1.58% | 4.96% |
The Citizens Bank of Swainsboro 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 Swainsboro, 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 Swainsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11295) · FFIEC NIC profile (RSSD 268136)