The Citizens Bank of Weston, Inc.: 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 Cost of borrowings, which fell 0.70 percentage points to 5.98%. Within West Virginia, The Citizens Bank of Weston, Inc. is 11th of 41 on net interest margin, 4.32% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens Bank of Weston, Inc. sits 0.37 points higher, at 4.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.06% |
| Yield on loans | 6.96% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 5.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 5.48% | 1.70% | 3.92% | 7.09% | 1.92% |
| Q4 2023 | 5.60% | 1.98% | 3.79% | 7.13% | 1.95% |
| Q1 2024 | 5.54% | 2.23% | 3.52% | 7.01% | 2.03% |
| Q2 2024 | 5.97% | 2.36% | 3.83% | 7.31% | 2.21% |
| Q3 2024 | 5.98% | 2.44% | 3.76% | 7.28% | 2.22% |
| Q4 2024 | 6.15% | 2.37% | 4.00% | 7.26% | 2.41% |
| Q1 2025 | 5.96% | 2.19% | 3.97% | 6.95% | 2.40% |
| Q2 2025 | 6.15% | 2.17% | 4.16% | 7.09% | 2.46% |
| Q3 2025 | 6.10% | 2.14% | 4.15% | 7.14% | 2.65% |
| Q4 2025 | 6.09% | 2.07% | 4.22% | 7.09% | 2.96% |
| Q1 2026 | 5.82% | 1.95% | 4.05% | 6.85% | 3.05% |
| Q2 2026 | 6.06% | 1.93% | 4.32% | 6.96% | 3.42% |
The Citizens Bank of Weston, Inc. 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 Weston, Inc., 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 Weston, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19674) · FFIEC NIC profile (RSSD 639633)