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 to cost spread fell 0.26 percentage points in Q2 2026 to 2.02%, the biggest move on this page. Within Nebraska, Citizens Bank & Trust Company is 108th of 138 on net interest margin, 3.39% as of Q2 2026, below the middle of the field. Citizens Bank & Trust Company reported 3.39% on net interest margin for Q2 2026, 0.56 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 6.65% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 3.42% |
| Cost of interest-bearing liabilities | 3.31% |
| Cost of borrowings | 3.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 2.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.0M |
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 | 4.63% | 2.43% | 2.37% | 6.28% | 2.47% |
| Q4 2023 | 4.88% | 2.74% | 2.33% | 6.54% | 2.59% |
| Q1 2024 | 4.80% | 2.69% | 2.29% | 6.50% | 2.53% |
| Q2 2024 | 5.09% | 2.67% | 2.63% | 6.85% | 2.61% |
| Q3 2024 | 5.22% | 2.93% | 2.53% | 6.94% | 2.61% |
| Q4 2024 | 5.46% | 2.95% | 2.86% | 7.07% | 2.96% |
| Q1 2025 | 5.30% | 2.34% | 2.99% | 6.90% | 2.69% |
| Q2 2025 | 5.39% | 1.91% | 3.22% | 6.99% | 2.73% |
| Q3 2025 | 5.57% | 2.00% | 3.28% | 7.18% | 2.68% |
| Q4 2025 | 5.61% | 1.96% | 3.34% | 7.13% | 2.70% |
| Q1 2026 | 5.47% | 1.71% | 3.50% | 6.90% | 2.69% |
| Q2 2026 | 5.33% | 1.67% | 3.39% | 6.65% | 2.72% |
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 5469) · FFIEC NIC profile (RSSD 925055)