The Citizens Bank of Winfield: 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: Cost of interest-bearing deposits edged down 0.19 percentage points between Q1 2026 and Q2 2026, to 3.33%. The Citizens Bank of Winfield has the 4th lowest net interest margin of the 93 banks headquartered in Alabama, at 2.52% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens Bank of Winfield sits 1.43 points lower, at 2.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.07% |
| Yield on loans | 8.25% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.99% |
| Cost of interest-bearing deposits | 3.33% |
| Cost of interest-bearing liabilities | 3.26% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.52% |
| Yield to cost spread | 1.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $2.0M |
| 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 | 4.34% | 3.69% | 1.13% | 7.64% | 3.41% |
| Q4 2023 | 4.69% | 4.02% | 1.18% | 7.75% | 3.79% |
| Q1 2024 | 4.42% | 3.98% | 0.94% | 7.73% | 3.34% |
| Q2 2024 | 4.51% | 3.94% | 1.07% | 8.06% | 3.27% |
| Q3 2024 | 4.53% | 4.02% | 1.06% | 7.93% | 3.20% |
| Q4 2024 | 4.63% | 3.70% | 1.44% | 8.18% | 3.14% |
| Q1 2025 | 4.71% | 3.34% | 1.86% | 8.03% | 3.09% |
| Q2 2025 | 4.81% | 3.24% | 2.07% | 8.28% | 3.08% |
| Q3 2025 | 5.10% | 3.21% | 2.37% | 8.40% | 3.36% |
| Q4 2025 | 5.06% | 3.12% | 2.40% | 8.12% | 3.27% |
| Q1 2026 | 4.99% | 2.95% | 2.45% | 8.10% | 3.11% |
| Q2 2026 | 5.07% | 2.99% | 2.52% | 8.25% | 3.12% |
The Citizens Bank of Winfield 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 Winfield, 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 Winfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 52) · FFIEC NIC profile (RSSD 293437)