Citizens Bank of the South: 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 Q2 2026 was in Total interest expense: 13.1% higher than in Q1 2026, at $1.6M. Citizens Bank of the South ranks 49th of 121 Georgia banks on net interest margin, in the upper half at 4.72% (Q2 2026). Citizens Bank of the South reported 4.72% on net interest margin for Q2 2026, 0.77 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.31% |
| Yield on loans | 7.28% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 1.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.72% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 5.36% | 0.70% | 4.72% | 6.37% | 1.51% |
| Q4 2023 | 5.59% | 0.90% | 4.77% | 6.59% | 1.68% |
| Q1 2024 | 5.86% | 1.22% | 4.73% | 6.81% | 2.14% |
| Q2 2024 | 6.18% | 1.40% | 4.90% | 7.06% | 2.53% |
| Q3 2024 | 6.41% | 1.50% | 4.86% | 7.33% | 2.61% |
| Q4 2024 | 6.46% | 1.74% | 4.91% | 7.39% | 2.73% |
| Q1 2025 | 6.36% | 1.59% | 4.92% | 7.24% | 2.91% |
| Q2 2025 | 6.67% | 1.67% | 5.17% | 7.43% | 3.43% |
| Q3 2025 | 6.66% | 1.85% | 5.08% | 7.51% | 3.48% |
| Q4 2025 | 6.61% | 1.72% | 5.08% | 7.44% | 3.25% |
| Q1 2026 | 6.53% | 1.72% | 4.98% | 7.40% | 3.05% |
| Q2 2026 | 6.31% | 1.79% | 4.72% | 7.28% | 3.13% |
Citizens Bank of the South 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 South, 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 South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19420) · FFIEC NIC profile (RSSD 367431)