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 standout move of Q2 2026 was in Cost of borrowings: 0.96 percentage points higher than in Q1 2026, at 2.20%. Within South Carolina, The Citizens Bank is 11th of 44 on net interest margin, 4.26% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Citizens Bank sits 0.55 points higher, at 4.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 6.49% |
| Yield on securities | 3.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 1.46% |
| Cost of interest-bearing liabilities | 1.46% |
| Cost of borrowings | 2.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.3M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.8M |
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 | 5.03% | 1.09% | 3.99% | 5.88% | 2.95% |
| Q4 2023 | 5.30% | 1.26% | 4.09% | 6.12% | 3.08% |
| Q1 2024 | 5.13% | 1.35% | 3.83% | 5.98% | 3.10% |
| Q2 2024 | 5.34% | 1.42% | 3.99% | 6.18% | 3.13% |
| Q3 2024 | 5.39% | 1.51% | 3.95% | 6.34% | 3.28% |
| Q4 2024 | 5.36% | 1.49% | 3.96% | 6.36% | 3.34% |
| Q1 2025 | 5.21% | 1.38% | 3.89% | 6.28% | 3.46% |
| Q2 2025 | 5.36% | 1.30% | 4.13% | 6.36% | 3.54% |
| Q3 2025 | 5.45% | 1.29% | 4.24% | 6.57% | 3.62% |
| Q4 2025 | 5.38% | 1.16% | 4.29% | 6.49% | 3.61% |
| Q1 2026 | 5.26% | 1.15% | 4.17% | 6.46% | 3.55% |
| Q2 2026 | 5.32% | 1.13% | 4.26% | 6.49% | 3.61% |
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 15932) · FFIEC NIC profile (RSSD 898627)