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, Total interest expense rose 3.7% in Q2 2026 to $1.9M, the biggest move on this page. Citizens Bank & Trust Company ranks 107th of 119 Kentucky banks on net interest margin, in the lower half at 3.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens Bank & Trust Company sits 0.78 points lower, at 3.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 6.48% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 4.56% | 2.18% | 2.66% | 6.05% | 2.44% |
| Q4 2023 | 4.68% | 2.43% | 2.57% | 6.06% | 2.63% |
| Q1 2024 | 4.91% | 2.55% | 2.68% | 6.37% | 2.89% |
| Q2 2024 | 5.06% | 2.63% | 2.77% | 6.51% | 3.09% |
| Q3 2024 | 5.11% | 2.68% | 2.75% | 6.71% | 2.88% |
| Q4 2024 | 4.84% | 2.58% | 2.63% | 6.27% | 2.82% |
| Q1 2025 | 5.09% | 2.38% | 3.00% | 6.54% | 2.99% |
| Q2 2025 | 5.16% | 2.39% | 3.08% | 6.64% | 3.09% |
| Q3 2025 | 5.22% | 2.43% | 3.09% | 6.75% | 3.39% |
| Q4 2025 | 4.87% | 2.36% | 2.78% | 6.09% | 3.48% |
| Q1 2026 | 5.11% | 2.21% | 3.15% | 6.50% | 3.48% |
| Q2 2026 | 5.15% | 2.25% | 3.17% | 6.48% | 3.63% |
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 15675) · FFIEC NIC profile (RSSD 829041)