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.
Compared with Q1 2026, Net interest margin fell 0.19 percentage points in Q2 2026 to 2.36%, the biggest move on this page. Citizens Community Bank has the 7th lowest net interest margin of the 323 banks headquartered in Illinois, at 2.36% as of Q2 2026. Citizens Community Bank reported 2.36% on net interest margin for Q2 2026, 1.59 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.59% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | 2.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.36% |
| Yield to cost spread | 1.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.7M |
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 | 4.32% | 2.22% | 2.29% |
| Q4 2023 | 4.46% | 2.58% | 2.09% |
| Q1 2024 | 4.48% | 2.68% | 2.03% |
| Q2 2024 | 4.66% | 2.70% | 2.18% |
| Q3 2024 | 5.03% | 2.73% | 2.49% |
| Q4 2024 | 4.82% | 2.58% | 2.47% |
| Q1 2025 | 4.78% | 2.38% | 2.60% |
| Q2 2025 | 4.63% | 2.44% | 2.42% |
| Q3 2025 | 4.99% | 2.50% | 2.72% |
| Q4 2025 | 4.89% | 2.43% | 2.65% |
| Q1 2026 | 4.74% | 2.36% | 2.55% |
| Q2 2026 | 4.59% | 2.42% | 2.36% |
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 33753) · FFIEC NIC profile (RSSD 2007991)