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, Yield on securities rose 0.53 percentage points in Q2 2026 to 3.31%, the biggest move on this page. Citizens Community Bank ranks 110th of 192 Missouri banks on net interest margin, in the lower half at 3.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Citizens Community Bank reported 3.96% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.56% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $597K |
| Interest expense on deposits | $597K |
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 | 4.95% | 1.45% | 3.59% | 5.96% | 1.24% |
| Q4 2023 | 4.99% | 1.54% | 3.51% | 5.96% | 1.21% |
| Q1 2024 | 5.06% | 1.86% | 3.36% | 6.10% | 1.21% |
| Q2 2024 | 5.11% | 2.24% | 3.12% | 6.14% | 1.19% |
| Q3 2024 | 5.47% | 2.35% | 3.31% | 6.64% | 1.36% |
| Q4 2024 | 5.41% | 2.18% | 3.42% | 6.50% | 1.43% |
| Q1 2025 | 5.27% | 2.19% | 3.17% | 6.40% | 1.72% |
| Q2 2025 | 5.43% | 1.98% | 3.45% | 6.56% | 2.16% |
| Q3 2025 | 5.57% | 1.91% | 3.67% | 6.66% | 2.19% |
| Q4 2025 | 5.72% | 1.97% | 3.85% | 6.55% | 2.52% |
| Q1 2026 | 5.61% | 1.83% | 3.84% | 6.44% | 2.78% |
| Q2 2026 | 5.74% | 1.88% | 3.96% | 6.56% | 3.31% |
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 12694) · FFIEC NIC profile (RSSD 578554)