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, Yield on loans fell 0.63 percentage points in Q2 2026 to 6.38%, the biggest move on this page. Within Montana, Citizens Bank & Trust Company is 20th of 35 on net interest margin, 4.09% as of Q2 2026, below the middle of the field. Citizens Bank & Trust Company reported 4.09% on net interest margin for Q2 2026, 0.14 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 6.38% |
| Yield on securities | 2.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.19% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | 4.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $413K |
| Interest expense on deposits | $298K |
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 | 4.03% | 1.13% | 2.89% | 6.26% | 1.17% |
| Q4 2023 | 4.29% | 1.18% | 3.07% | 6.55% | 1.21% |
| Q1 2024 | 4.37% | 1.17% | 3.18% | 6.53% | 1.29% |
| Q2 2024 | 4.67% | 1.12% | 3.53% | 6.87% | 1.39% |
| Q3 2024 | 4.97% | 1.20% | 3.70% | 7.20% | 1.39% |
| Q4 2024 | 5.30% | 1.26% | 4.00% | 7.72% | 1.51% |
| Q1 2025 | 5.12% | 1.21% | 3.82% | 7.33% | 1.62% |
| Q2 2025 | 5.33% | 1.25% | 3.97% | 7.37% | 1.68% |
| Q3 2025 | 5.47% | 1.30% | 4.06% | 7.47% | 1.80% |
| Q4 2025 | 5.56% | 1.22% | 4.28% | 7.51% | 1.97% |
| Q1 2026 | 5.34% | 1.19% | 4.21% | 7.01% | 2.36% |
| Q2 2026 | 5.23% | 1.19% | 4.09% | 6.38% | 2.53% |
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 1972) · FFIEC NIC profile (RSSD 657758)