Citizens Bank of the Midwest: 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 2.98%, the biggest move on this page. On net interest margin, Citizens Bank of the Midwest is 9th from the bottom among 192 Missouri banks, 2.98% (Q2 2026). Citizens Bank of the Midwest reported 2.98% on net interest margin for Q2 2026, 0.97 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.94% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.26% |
| Cost of interest-bearing liabilities | 3.34% |
| Cost of borrowings | 4.26% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.7M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.30% | 2.59% | 2.77% | 6.36% | 2.48% |
| Q4 2023 | 5.69% | 2.78% | 2.78% | 6.66% | 3.21% |
| Q1 2024 | 5.77% | 2.87% | 2.81% | 6.67% | 3.20% |
| Q2 2024 | 5.77% | 2.95% | 2.70% | 6.74% | 3.17% |
| Q3 2024 | 6.13% | 3.20% | 2.89% | 7.21% | 3.17% |
| Q4 2024 | 5.97% | 3.08% | 2.80% | 6.99% | 3.17% |
| Q1 2025 | 5.97% | 2.85% | 3.03% | 6.96% | 3.12% |
| Q2 2025 | 6.04% | 2.91% | 3.02% | 7.15% | 3.11% |
| Q3 2025 | 6.15% | 2.93% | 3.13% | 7.24% | 3.09% |
| Q4 2025 | 6.06% | 2.86% | 3.07% | 7.06% | 3.08% |
| Q1 2026 | 5.74% | 2.78% | 2.83% | 6.80% | 3.07% |
| Q2 2026 | 5.90% | 2.78% | 2.98% | 6.94% | 3.04% |
Citizens Bank of the Midwest 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 the Midwest, 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 the Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16126) · FFIEC NIC profile (RSSD 44750)