Citizens Bank & Trust Co. of Jackson: 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 0.34 percentage points from Q1 2026 to Q2 2026, ending at 5.44% against 5.10%. It was the largest change among the key lines on this page. Within Kentucky, Citizens Bank & Trust Co. of Jackson is 27th of 119 on net interest margin, 4.38% as of Q2 2026, above 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. of Jackson sits 0.43 points higher, at 4.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 6.61% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 5.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $834K |
| Interest expense on deposits | $800K |
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 | 5.70% | 1.02% | 4.72% | 6.37% | 1.62% |
| Q4 2023 | 5.83% | 1.84% | 4.12% | 6.47% | 1.81% |
| Q1 2024 | 5.91% | 1.91% | 4.11% | 6.55% | 2.00% |
| Q2 2024 | 6.06% | 1.83% | 4.33% | 6.67% | 2.09% |
| Q3 2024 | 6.29% | 1.83% | 4.56% | 7.01% | 2.26% |
| Q4 2024 | 6.18% | 1.84% | 4.47% | 6.87% | 2.57% |
| Q1 2025 | 6.14% | 1.84% | 4.46% | 6.77% | 2.86% |
| Q2 2025 | 6.34% | 1.88% | 4.60% | 6.97% | 3.16% |
| Q3 2025 | 6.36% | 1.91% | 4.62% | 7.03% | 3.35% |
| Q4 2025 | 6.31% | 1.88% | 4.63% | 6.94% | 3.44% |
| Q1 2026 | 6.02% | 1.82% | 4.39% | 6.69% | 3.32% |
| Q2 2026 | 6.02% | 1.86% | 4.38% | 6.61% | 3.36% |
Citizens Bank & Trust Co. of Jackson 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. of Jackson, 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. of Jackson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18620) · FFIEC NIC profile (RSSD 765318)