Citizens Bank & Trust Company: 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.
Compared with Q1 2026, Net interest margin rose 0.20 percentage points in Q2 2026 to 3.95%, the biggest move on this page. Within Arkansas, Citizens Bank & Trust Company is 47th of 78 on net interest margin, 3.95% 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 Company reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.95% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.74% | 1.36% | 3.47% | 6.17% | 2.48% |
| Q4 2023 | 4.89% | 1.52% | 3.49% | 6.30% | 2.46% |
| Q1 2024 | 4.89% | 1.62% | 3.39% | 6.26% | 2.59% |
| Q2 2024 | 5.15% | 1.73% | 3.56% | 6.46% | 2.64% |
| Q3 2024 | 5.22% | 1.99% | 3.39% | 6.68% | 2.67% |
| Q4 2024 | 5.31% | 1.99% | 3.48% | 6.73% | 2.66% |
| Q1 2025 | 5.26% | 1.84% | 3.57% | 6.66% | 2.77% |
| Q2 2025 | 5.42% | 1.80% | 3.76% | 6.76% | 2.83% |
| Q3 2025 | 5.53% | 1.90% | 3.80% | 6.97% | 2.78% |
| Q4 2025 | 5.54% | 1.82% | 3.87% | 7.01% | 2.83% |
| Q1 2026 | 5.30% | 1.70% | 3.75% | 6.84% | 2.93% |
| Q2 2026 | 5.45% | 1.62% | 3.95% | 6.95% | 2.99% |
Citizens Bank & Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8738) · FFIEC NIC profile (RSSD 192147)