Citizens Federal Savings & Loan Association: 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 2.70%. Citizens Federal Savings & Loan Association ranks 139th of 156 Ohio banks on net interest margin, in the lower half at 2.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens Federal Savings & Loan Association sits 1.25 points lower, at 2.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.60% |
| Yield on loans | 4.77% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.11% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.70% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $858K |
| Interest expense on deposits | $850K |
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 | 3.59% | 1.75% | 1.97% | 3.72% | 2.56% |
| Q4 2023 | 3.71% | 2.03% | 1.82% | 3.83% | 2.71% |
| Q1 2024 | 3.79% | 2.12% | 1.73% | 3.89% | 2.91% |
| Q2 2024 | 3.98% | 2.32% | 1.76% | 4.00% | 3.32% |
| Q3 2024 | 4.03% | 2.35% | 1.77% | 4.12% | 3.35% |
| Q4 2024 | 4.12% | 2.16% | 2.01% | 4.24% | 3.36% |
| Q1 2025 | 4.21% | 2.00% | 2.24% | 4.30% | 3.69% |
| Q2 2025 | 4.26% | 1.99% | 2.33% | 4.38% | 3.67% |
| Q3 2025 | 4.38% | 2.01% | 2.41% | 4.55% | 3.46% |
| Q4 2025 | 4.39% | 2.01% | 2.45% | 4.58% | 3.71% |
| Q1 2026 | 4.52% | 2.07% | 2.64% | 4.69% | 3.74% |
| Q2 2026 | 4.60% | 2.07% | 2.70% | 4.77% | 3.78% |
Citizens Federal Savings & Loan Association 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 & Loan Association, 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 & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28060) · FFIEC NIC profile (RSSD 647777)