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.
Cost of borrowings rose 0.53 percentage points from Q1 2026 to Q2 2026, ending at 2.11% against 1.58%. It was the largest change among the key lines on this page. Citizens Bank & Trust ranks 137th of 192 Missouri banks on net interest margin, in the lower half at 3.69% (Q2 2026). Citizens Bank & Trust reported 3.69% on net interest margin for Q2 2026, 0.26 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.76% |
| Yield on loans | 6.69% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.52% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 2.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $877K |
| Total interest expense | $290K |
| Interest expense on deposits | $278K |
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 | 3.92% | 1.27% | 2.76% | 6.05% | 2.08% |
| Q4 2023 | 4.08% | 1.35% | 2.83% | 6.21% | 2.15% |
| Q1 2024 | 4.15% | 1.38% | 2.89% | 6.23% | 2.29% |
| Q2 2024 | 4.24% | 1.54% | 2.83% | 6.48% | 2.38% |
| Q3 2024 | 4.31% | 1.49% | 2.96% | 6.66% | 2.14% |
| Q4 2024 | 4.38% | 1.29% | 3.20% | 6.73% | 1.96% |
| Q1 2025 | 4.24% | 1.25% | 3.10% | 6.32% | 2.17% |
| Q2 2025 | 4.56% | 1.28% | 3.40% | 6.82% | 2.30% |
| Q3 2025 | 4.07% | 1.25% | 2.93% | 5.39% | 2.53% |
| Q4 2025 | 5.52% | 1.21% | 4.43% | 8.20% | 2.65% |
| Q1 2026 | 4.71% | 1.19% | 3.63% | 6.81% | 2.80% |
| Q2 2026 | 4.76% | 1.18% | 3.69% | 6.69% | 2.89% |
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 14293) · FFIEC NIC profile (RSSD 964250)