Citizens First 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, Net interest margin rose 0.35 percentage points in Q2 2026 to 3.34%, the biggest move on this page. Citizens First Bank ranks 157th of 225 Iowa banks on net interest margin, in the lower half at 3.34% (Q2 2026). Citizens First Bank reported 3.34% on net interest margin for Q2 2026, 0.60 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 6.49% |
| Yield on securities | 1.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.51% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.6M |
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 | 4.69% | 2.56% | 2.27% | 5.75% | 1.45% |
| Q4 2023 | 4.91% | 2.62% | 2.45% | 5.97% | 1.46% |
| Q1 2024 | 5.01% | 2.53% | 2.49% | 6.08% | 1.47% |
| Q2 2024 | 5.22% | 2.81% | 2.58% | 6.32% | 1.47% |
| Q3 2024 | 5.31% | 2.83% | 2.64% | 6.45% | 1.47% |
| Q4 2024 | 5.36% | 2.75% | 2.74% | 6.47% | 1.59% |
| Q1 2025 | 4.82% | 2.72% | 2.26% | 5.76% | 1.83% |
| Q2 2025 | 5.42% | 2.82% | 2.75% | 6.52% | 1.92% |
| Q3 2025 | 5.27% | 2.85% | 2.67% | 6.41% | 1.85% |
| Q4 2025 | 5.68% | 2.71% | 3.11% | 6.64% | 2.19% |
| Q1 2026 | 5.39% | 2.57% | 2.99% | 6.36% | 1.93% |
| Q2 2026 | 5.71% | 2.51% | 3.34% | 6.49% | 1.95% |
Citizens First 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 First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35477) · FFIEC NIC profile (RSSD 2882983)