Citizens Bank & Trust Company of Ardmore: 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.
In Q2 2026, Cost of borrowings edged down by 0.18 percentage points, from 5.52% to 5.34%, the largest move among the key lines here. Within Oklahoma, Citizens Bank & Trust Company of Ardmore is 140th of 169 on net interest margin, 3.59% 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 of Ardmore sits 0.36 points lower, at 3.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 6.44% |
| Yield on securities | 1.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | 5.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $891K |
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 | 3.95% | 1.39% | 2.70% | 5.65% | 1.45% |
| Q4 2023 | 4.26% | 1.56% | 2.83% | 5.95% | 1.61% |
| Q1 2024 | 4.48% | 1.54% | 3.04% | 6.11% | 1.75% |
| Q2 2024 | 4.50% | 1.55% | 3.05% | 6.16% | 1.66% |
| Q3 2024 | 4.70% | 1.62% | 3.22% | 6.44% | 1.68% |
| Q4 2024 | 4.79% | 1.70% | 3.29% | 6.57% | 1.70% |
| Q1 2025 | 4.77% | 1.60% | 3.28% | 6.36% | 1.82% |
| Q2 2025 | 4.87% | 1.56% | 3.43% | 6.53% | 1.76% |
| Q3 2025 | 4.96% | 1.57% | 3.53% | 6.63% | 1.79% |
| Q4 2025 | 4.99% | 1.59% | 3.55% | 6.60% | 1.84% |
| Q1 2026 | 4.93% | 1.53% | 3.54% | 6.38% | 1.96% |
| Q2 2026 | 4.96% | 1.54% | 3.59% | 6.44% | 1.92% |
Citizens Bank & Trust Company of Ardmore 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 of Ardmore, 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 of Ardmore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22717) · FFIEC NIC profile (RSSD 255556)