Citizens Community Bank: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.2% to $1.5M. Citizens Community Bank ranks 31st of 109 Tennessee banks on net interest margin, in the upper half at 4.26% (Q2 2026). Citizens Community Bank reported 4.26% on net interest margin for Q2 2026, 0.31 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.09% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 5.61% | 1.98% | 3.87% |
| Q4 2023 | 5.88% | 2.30% | 3.93% |
| Q1 2024 | 5.99% | 2.45% | 3.79% |
| Q2 2024 | 6.11% | 2.73% | 3.69% |
| Q3 2024 | 6.11% | 2.80% | 3.59% |
| Q4 2024 | 6.31% | 2.63% | 3.95% |
| Q1 2025 | 6.06% | 2.43% | 3.85% |
| Q2 2025 | 6.10% | 2.33% | 4.02% |
| Q3 2025 | 6.11% | 2.34% | 4.02% |
| Q4 2025 | 6.17% | 2.21% | 4.15% |
| Q1 2026 | 6.02% | 2.06% | 4.11% |
| Q2 2026 | 6.09% | 2.03% | 4.26% |
Citizens Community Bank 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 Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33739) · FFIEC NIC profile (RSSD 2002222)