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.
In Q2 2026, Net interest margin edged down by 0.07 percentage points, from 4.10% to 4.03%, the largest move among the key lines here. Within Georgia, Citizens Community Bank is 89th of 121 on net interest margin, 4.03% as of Q2 2026, below the middle of the field. At 4.03%, Citizens Community Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $872K |
| Interest expense on deposits | $818K |
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 | 4.92% | 0.97% | 3.94% |
| Q4 2023 | 5.16% | 1.12% | 4.05% |
| Q1 2024 | 4.67% | 1.15% | 3.66% |
| Q2 2024 | 5.44% | 1.31% | 4.13% |
| Q3 2024 | 5.45% | 1.60% | 3.91% |
| Q4 2024 | 5.52% | 1.70% | 3.92% |
| Q1 2025 | 5.57% | 1.65% | 4.02% |
| Q2 2025 | 5.74% | 1.61% | 4.21% |
| Q3 2025 | 5.95% | 1.64% | 4.42% |
| Q4 2025 | 5.92% | 1.68% | 4.31% |
| Q1 2026 | 5.73% | 1.69% | 4.10% |
| Q2 2026 | 5.68% | 1.70% | 4.03% |
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 12079) · FFIEC NIC profile (RSSD 564838)