Citizens Bank & Trust Company of Vivian, Louisiana: 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.
The standout move of Q2 2026 was in Cost of borrowings: 1.93 percentage points lower than in Q1 2026, at 4.70%. Within Louisiana, Citizens Bank & Trust Company of Vivian, Louisiana is 84th of 103 on net interest margin, 3.58% as of Q2 2026, below the middle of the field. Citizens Bank & Trust Company of Vivian, Louisiana reported 3.58% on net interest margin for Q2 2026, 0.37 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 4.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $541K |
| Interest expense on deposits | $516K |
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 |
|---|---|---|---|
| Q3 2023 | 4.08% | 1.32% | 2.81% |
| Q4 2023 | 4.41% | 1.54% | 2.91% |
| Q1 2024 | 4.19% | 1.59% | 2.65% |
| Q2 2024 | 4.56% | 1.72% | 2.88% |
| Q3 2024 | 4.45% | 1.77% | 2.73% |
| Q4 2024 | 4.60% | 1.68% | 2.97% |
| Q1 2025 | 4.45% | 1.52% | 2.98% |
| Q2 2025 | 4.61% | 1.50% | 3.16% |
| Q3 2025 | 4.87% | 1.56% | 3.34% |
| Q4 2025 | 4.89% | 1.59% | 3.34% |
| Q1 2026 | 4.76% | 1.55% | 3.24% |
| Q2 2026 | 5.02% | 1.47% | 3.58% |
Citizens Bank & Trust Company of Vivian, Louisiana 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 Vivian, Louisiana, 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 Vivian, Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19744) · FFIEC NIC profile (RSSD 767554)