Citizens Deposit Bank of Arlington, Inc.: 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 rose 0.15 percentage points in Q2 2026 to 3.61%, the biggest move on this page. Within Kentucky, Citizens Deposit Bank of Arlington, Inc. is 86th of 119 on net interest margin, 3.61% as of Q2 2026, below the middle of the field. Citizens Deposit Bank of Arlington, Inc. reported 3.61% on net interest margin for Q2 2026, 0.34 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 7.11% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.86% |
| Cost of interest-bearing deposits | 3.33% |
| Cost of interest-bearing liabilities | 3.37% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 | 5.48% | 2.63% | 3.19% | 6.46% | 2.78% |
| Q4 2023 | 5.70% | 2.92% | 3.20% | 6.71% | 2.79% |
| Q1 2024 | 5.75% | 3.10% | 3.06% | 6.75% | 2.87% |
| Q2 2024 | 5.90% | 3.21% | 3.14% | 6.91% | 2.92% |
| Q3 2024 | 5.95% | 3.27% | 3.19% | 7.10% | 2.91% |
| Q4 2024 | 6.05% | 3.18% | 3.28% | 7.05% | 2.95% |
| Q1 2025 | 6.04% | 2.98% | 3.42% | 7.10% | 3.03% |
| Q2 2025 | 6.24% | 3.01% | 3.61% | 7.25% | 3.12% |
| Q3 2025 | 6.26% | 3.12% | 3.55% | 7.28% | 3.13% |
| Q4 2025 | 6.18% | 3.00% | 3.53% | 7.18% | 3.20% |
| Q1 2026 | 5.94% | 2.82% | 3.46% | 6.96% | 3.21% |
| Q2 2026 | 6.12% | 2.86% | 3.61% | 7.11% | 3.26% |
Citizens Deposit Bank of Arlington, Inc. 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 Deposit Bank of Arlington, Inc., 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 Deposit Bank of Arlington, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16852) · FFIEC NIC profile (RSSD 959443)