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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing liabilities edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 0.97%. Within Kentucky, The Citizens Bank is 14th of 119 on net interest margin, 4.78% as of Q2 2026, above the middle of the field. The Citizens Bank reported 4.78% on net interest margin for Q2 2026, 0.83 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.44% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.72% |
| Cost of interest-bearing deposits | 0.84% |
| Cost of interest-bearing liabilities | 0.97% |
| Cost of borrowings | 1.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.78% |
| Yield to cost spread | 4.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $382K |
| Interest expense on deposits | $271K |
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 | 4.89% | 0.53% | 4.36% | 6.04% | 1.62% |
| Q4 2023 | 5.01% | 0.59% | 4.45% | 6.15% | 1.86% |
| Q1 2024 | 5.07% | 0.60% | 4.49% | 6.11% | 2.19% |
| Q2 2024 | 5.28% | 0.66% | 4.65% | 6.30% | 2.36% |
| Q3 2024 | 5.47% | 0.75% | 4.75% | 6.44% | 2.74% |
| Q4 2024 | 5.48% | 0.79% | 4.72% | 6.44% | 2.59% |
| Q1 2025 | 5.33% | 0.77% | 4.58% | 6.24% | 2.65% |
| Q2 2025 | 5.40% | 0.80% | 4.64% | 6.38% | 2.78% |
| Q3 2025 | 5.62% | 0.83% | 4.82% | 6.58% | 3.17% |
| Q4 2025 | 5.49% | 0.79% | 4.74% | 6.51% | 3.21% |
| Q1 2026 | 5.44% | 0.69% | 4.79% | 6.41% | 3.26% |
| Q2 2026 | 5.48% | 0.72% | 4.78% | 6.44% | 3.26% |
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 10520) · FFIEC NIC profile (RSSD 962313)