Citizens Bank & Trust Co., Hutchinson, MINN.: 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 0.42 percentage points to 3.81%. Within Minnesota, Citizens Bank & Trust Co., Hutchinson, MINN. is 185th of 221 on net interest margin, 3.35% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens Bank & Trust Co., Hutchinson, MINN. sits 0.60 points lower, at 3.35% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.55% |
| Yield on loans | 5.96% |
| Yield on securities | 2.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.61% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $917K |
| Interest expense on deposits | $718K |
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 | 3.75% | 1.41% | 2.42% | 5.21% | 1.84% |
| Q4 2023 | 3.88% | 1.36% | 2.58% | 5.24% | 1.88% |
| Q1 2024 | 3.89% | 1.44% | 2.51% | 5.29% | 1.94% |
| Q2 2024 | 3.96% | 1.53% | 2.47% | 5.35% | 1.93% |
| Q3 2024 | 4.08% | 1.60% | 2.51% | 5.65% | 1.90% |
| Q4 2024 | 4.17% | 1.49% | 2.74% | 5.68% | 1.96% |
| Q1 2025 | 4.22% | 1.31% | 2.96% | 5.72% | 1.99% |
| Q2 2025 | 4.27% | 1.31% | 2.97% | 5.78% | 1.95% |
| Q3 2025 | 4.31% | 1.31% | 3.02% | 5.78% | 2.06% |
| Q4 2025 | 4.39% | 1.30% | 3.14% | 5.96% | 2.12% |
| Q1 2026 | 4.39% | 1.22% | 3.22% | 5.80% | 2.23% |
| Q2 2026 | 4.55% | 1.21% | 3.35% | 5.96% | 2.30% |
Citizens Bank & Trust Co., Hutchinson, MINN. 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 Co., Hutchinson, MINN., 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 Co., Hutchinson, MINN. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10218) · FFIEC NIC profile (RSSD 56258)