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.
The Citizens Bank reported little change from Q1 2026 to Q2 2026. Cost of interest-bearing deposits showed the biggest shift, 2.03% to 2.08%. The Citizens Bank ranks 83rd of 93 Alabama banks on net interest margin, in the lower half at 3.07% (Q2 2026). The Citizens Bank reported 3.07% on net interest margin for Q2 2026, 0.88 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.46% |
| Yield on loans | 6.78% |
| Yield on securities | 3.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $659K |
| Total interest expense | $437K |
| Interest expense on deposits | $437K |
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 | 4.13% | 1.06% | 3.11% | 6.98% | 2.46% |
| Q4 2023 | 4.35% | 1.34% | 3.10% | 7.25% | 2.56% |
| Q1 2024 | 4.43% | 1.46% | 3.05% | 7.33% | 2.70% |
| Q2 2024 | 4.56% | 1.64% | 3.07% | 7.41% | 2.74% |
| Q3 2024 | 4.67% | 1.80% | 3.05% | 7.63% | 2.78% |
| Q4 2024 | 4.61% | 1.85% | 2.94% | 7.49% | 2.87% |
| Q1 2025 | 4.45% | 1.71% | 2.87% | 7.22% | 2.96% |
| Q2 2025 | 4.49% | 1.67% | 2.97% | 7.06% | 3.06% |
| Q3 2025 | 4.56% | 1.62% | 3.08% | 7.19% | 3.19% |
| Q4 2025 | 4.56% | 1.59% | 3.12% | 7.09% | 3.28% |
| Q1 2026 | 4.42% | 1.47% | 3.06% | 6.81% | 3.29% |
| Q2 2026 | 4.46% | 1.52% | 3.07% | 6.78% | 3.33% |
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 22358) · FFIEC NIC profile (RSSD 571135)