Citizens Business Bank, N.A.: 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 Total interest expense: 25.1% higher than in Q1 2026, at $38.8M. Citizens Business Bank, N.A. ranks 67th of 114 California banks on net interest margin, in the lower half at 3.67% (Q2 2026). At 3.67%, Citizens Business Bank, N.A.'s net interest margin is close to the 3.60% median for banks in the $10B-100B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.54% |
| Yield on loans | 5.52% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.97% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 2.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $158.6M |
| Total interest expense | $38.8M |
| Interest expense on deposits | $32.1M |
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 | 4.08% | 0.93% | 3.22% | 5.12% | 2.42% |
| Q4 2023 | 4.17% | 1.11% | 3.15% | 5.23% | 2.45% |
| Q1 2024 | 4.20% | 1.30% | 3.00% | 5.28% | 2.44% |
| Q2 2024 | 4.21% | 1.38% | 2.94% | 5.24% | 2.47% |
| Q3 2024 | 4.33% | 1.47% | 2.98% | 5.35% | 2.47% |
| Q4 2024 | 4.12% | 1.12% | 3.10% | 5.18% | 2.37% |
| Q1 2025 | 4.10% | 1.00% | 3.18% | 5.16% | 2.43% |
| Q2 2025 | 4.15% | 1.00% | 3.22% | 5.22% | 2.43% |
| Q3 2025 | 4.23% | 1.04% | 3.27% | 5.30% | 2.49% |
| Q4 2025 | 4.36% | 1.01% | 3.44% | 5.52% | 2.53% |
| Q1 2026 | 4.22% | 0.95% | 3.35% | 5.26% | 2.49% |
| Q2 2026 | 4.54% | 0.97% | 3.67% | 5.52% | 2.59% |
Citizens Business Bank, N.A. 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 Business Bank, N.A., 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 Business Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21716) · FFIEC NIC profile (RSSD 933966)