Citizens Federal Savings and Loan Association of Covington: 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 Yield on securities, which rose 0.54 percentage points to 3.71%. Citizens Federal Savings and Loan Association of Covington has the 3rd lowest net interest margin of the 119 banks headquartered in Kentucky, at 2.52% as of Q2 2026. Citizens Federal Savings and Loan Association of Covington reported 2.52% on net interest margin for Q2 2026, 1.37 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | 5.38% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.40% |
| Cost of interest-bearing deposits | 3.18% |
| Cost of interest-bearing liabilities | 3.17% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.52% |
| Yield to cost spread | 1.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $414K |
| Total interest expense | $235K |
| Interest expense on deposits | $216K |
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 | 4.04% | 2.41% | 2.47% | 4.48% | 2.05% |
| Q4 2023 | 4.26% | 2.85% | 2.45% | 4.66% | 4.37% |
| Q1 2024 | 4.34% | 3.47% | 2.10% | 4.74% | 2.53% |
| Q2 2024 | 4.56% | 3.83% | 2.00% | 4.84% | 4.71% |
| Q3 2024 | 4.59% | 4.20% | 1.74% | 4.95% | 2.12% |
| Q4 2024 | 4.70% | 4.10% | 1.98% | 5.13% | 4.58% |
| Q1 2025 | 4.75% | 3.93% | 2.12% | 5.28% | 2.21% |
| Q2 2025 | 4.66% | 3.78% | 2.09% | 5.12% | 4.30% |
| Q3 2025 | 4.64% | 3.74% | 2.12% | 5.25% | 2.39% |
| Q4 2025 | 5.15% | 3.72% | 2.62% | 5.36% | 5.15% |
| Q1 2026 | 4.71% | 3.47% | 2.37% | 5.18% | 3.17% |
| Q2 2026 | 4.83% | 3.40% | 2.52% | 5.38% | 3.71% |
Citizens Federal Savings and Loan Association of Covington 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 Federal Savings and Loan Association of Covington, 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 Federal Savings and Loan Association of Covington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27841) · FFIEC NIC profile (RSSD 673477)