Citizens First National 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.
In Q2 2026, Cost of borrowings edged up by 0.09 percentage points, from 1.35% to 1.45%, the largest move among the key lines here. Citizens First National Bank ranks 30th of 225 Iowa banks on net interest margin, in the upper half at 4.15% (Q2 2026). Citizens First National Bank reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 6.62% |
| Yield on securities | 3.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 1.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $694K |
| Interest expense on deposits | $676K |
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 | 4.79% | 1.11% | 3.80% | 6.29% | 1.81% |
| Q4 2023 | 3.82% | 1.54% | 2.56% | 4.65% | 1.86% |
| Q1 2024 | 5.04% | 1.44% | 3.74% | 6.24% | 2.56% |
| Q2 2024 | 5.39% | 1.57% | 4.02% | 6.33% | 2.36% |
| Q3 2024 | 4.80% | 1.64% | 3.38% | 5.32% | 2.74% |
| Q4 2024 | 5.02% | 1.70% | 3.65% | 5.88% | 3.01% |
| Q1 2025 | 4.99% | 1.48% | 3.68% | 6.07% | 3.13% |
| Q2 2025 | 5.21% | 1.48% | 3.90% | 6.27% | 3.40% |
| Q3 2025 | 5.45% | 1.43% | 4.18% | 6.66% | 3.44% |
| Q4 2025 | 5.55% | 1.49% | 4.37% | 6.88% | 3.59% |
| Q1 2026 | 5.24% | 1.30% | 4.12% | 6.54% | 3.50% |
| Q2 2026 | 5.27% | 1.30% | 4.15% | 6.62% | 3.46% |
Citizens First National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4511) · FFIEC NIC profile (RSSD 424240)