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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.56 percentage points to 4.40%. The Citizens Bank ranks 58th of 119 Kentucky banks on net interest margin, in the upper half at 4.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Citizens Bank reported 4.00% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 6.74% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 4.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.12% | 2.44% | 3.26% | 6.12% | 2.20% |
| Q4 2023 | 5.21% | 2.32% | 3.13% | 6.12% | 2.34% |
| Q1 2024 | 5.25% | 2.46% | 3.00% | 6.30% | 2.24% |
| Q2 2024 | 5.47% | 2.77% | 3.00% | 6.52% | 2.38% |
| Q3 2024 | 5.65% | 2.94% | 3.00% | 6.68% | 2.38% |
| Q4 2024 | 5.86% | 2.83% | 3.21% | 6.61% | 2.40% |
| Q1 2025 | 5.69% | 2.56% | 3.32% | 6.47% | 2.52% |
| Q2 2025 | 5.95% | 2.45% | 3.65% | 6.70% | 2.70% |
| Q3 2025 | 6.17% | 2.35% | 3.92% | 6.94% | 2.96% |
| Q4 2025 | 6.17% | 2.27% | 4.03% | 6.95% | 2.87% |
| Q1 2026 | 6.06% | 2.20% | 3.97% | 6.73% | 2.84% |
| Q2 2026 | 6.12% | 2.26% | 4.00% | 6.74% | 2.87% |
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 9306) · FFIEC NIC profile (RSSD 617145)