Citizens Federal Savings 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.06 percentage points between Q1 2026 and Q2 2026, to 2.94%. On net interest margin, Citizens Federal Savings Bank is 4th from the bottom among 182 Kansas banks, 2.94% (Q2 2026). Citizens Federal Savings Bank reported 2.94% on net interest margin for Q2 2026, 1.01 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.26% |
| Yield on loans | 4.88% |
| Yield on securities | 2.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.94% |
| Yield to cost spread | 2.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $597K |
| Interest expense on deposits | $572K |
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 | 3.61% | 1.23% | 2.59% | 3.88% | 2.75% |
| Q4 2023 | 3.74% | 1.42% | 2.55% | 4.04% | 2.72% |
| Q1 2024 | 3.81% | 1.55% | 2.52% | 4.18% | 2.66% |
| Q2 2024 | 3.95% | 1.71% | 2.52% | 4.33% | 2.55% |
| Q3 2024 | 4.08% | 1.70% | 2.64% | 4.49% | 2.73% |
| Q4 2024 | 4.01% | 1.64% | 2.66% | 4.49% | 2.49% |
| Q1 2025 | 4.07% | 1.66% | 2.69% | 4.62% | 2.35% |
| Q2 2025 | 4.14% | 1.70% | 2.73% | 4.65% | 2.49% |
| Q3 2025 | 4.17% | 1.69% | 2.77% | 4.75% | 2.32% |
| Q4 2025 | 4.22% | 1.67% | 2.85% | 4.79% | 2.28% |
| Q1 2026 | 4.20% | 1.59% | 2.88% | 4.82% | 2.19% |
| Q2 2026 | 4.26% | 1.58% | 2.94% | 4.88% | 2.19% |
Citizens Federal Savings 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 Federal Savings 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 Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30150) · FFIEC NIC profile (RSSD 864378)