Citizens Bank & Trust: 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 Total interest expense, which rose 3.0% to $5.5M. Citizens Bank & Trust has the 6th lowest net interest margin of the 93 banks headquartered in Alabama, at 2.68% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Citizens Bank & Trust sits 1.03 points lower, at 2.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.64% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.68% |
| Yield to cost spread | 2.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.8M |
| Total interest expense | $5.5M |
| Interest expense on deposits | $5.3M |
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 |
|---|---|---|---|
| Q3 2023 | 4.05% | 1.99% | 2.10% |
| Q4 2023 | 4.17% | 2.33% | 1.91% |
| Q1 2024 | 4.40% | 2.52% | 1.92% |
| Q2 2024 | 4.59% | 2.49% | 2.24% |
| Q3 2024 | 4.58% | 2.52% | 2.18% |
| Q4 2024 | 4.57% | 2.29% | 2.41% |
| Q1 2025 | 4.54% | 2.00% | 2.54% |
| Q2 2025 | 4.71% | 2.15% | 2.63% |
| Q3 2025 | 4.80% | 2.16% | 2.73% |
| Q4 2025 | 4.77% | 2.10% | 2.74% |
| Q1 2026 | 4.64% | 2.04% | 2.66% |
| Q2 2026 | 4.64% | 2.00% | 2.68% |
Citizens Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust, 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 Citizens Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57483) · FFIEC NIC profile (RSSD 3174920)