The Citizens Bank: 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, Cost of borrowings rose 0.44 percentage points in Q2 2026 to 4.37%, the biggest move on this page. The Citizens Bank ranks 55th of 93 Alabama banks on net interest margin, in the lower half at 3.70% (Q2 2026). The Citizens Bank reported 3.70% on net interest margin for Q2 2026, 0.25 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.64% |
| Yield on loans | 6.79% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.92% |
| Cost of borrowings | 4.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.0M |
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 | 5.15% | 2.04% | 3.26% | 6.34% | 2.06% |
| Q4 2023 | 5.33% | 2.29% | 3.18% | 6.60% | 2.10% |
| Q1 2024 | 5.27% | 2.30% | 3.13% | 6.56% | 2.14% |
| Q2 2024 | 5.60% | 2.74% | 3.05% | 6.83% | 2.17% |
| Q3 2024 | 5.71% | 2.66% | 3.23% | 6.90% | 2.20% |
| Q4 2024 | 5.67% | 2.43% | 3.41% | 6.83% | 2.24% |
| Q1 2025 | 5.59% | 2.17% | 3.56% | 6.72% | 2.27% |
| Q2 2025 | 5.63% | 2.12% | 3.68% | 6.86% | 2.33% |
| Q3 2025 | 5.70% | 2.28% | 3.61% | 6.86% | 2.37% |
| Q4 2025 | 5.77% | 2.27% | 3.70% | 6.86% | 2.64% |
| Q1 2026 | 5.61% | 2.07% | 3.70% | 6.60% | 2.71% |
| Q2 2026 | 5.64% | 2.10% | 3.70% | 6.79% | 2.61% |
The Citizens Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16369) · FFIEC NIC profile (RSSD 374130)