Citizens Guaranty 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.15 percentage points to 5.33%. Among 119 Kentucky banks, Citizens Guaranty Bank sits 3rd from the top on net interest margin, 5.33% as of Q2 2026. Citizens Guaranty Bank reported 5.33% on net interest margin for Q2 2026, 1.38 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.92% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.33% |
| Yield to cost spread | 4.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 |
|---|---|---|---|
| Q3 2023 | 5.85% | 1.53% | 4.38% |
| Q4 2023 | 6.11% | 1.74% | 4.44% |
| Q1 2024 | 6.12% | 1.85% | 4.33% |
| Q2 2024 | 6.35% | 1.80% | 4.63% |
| Q3 2024 | 6.61% | 1.77% | 4.91% |
| Q4 2024 | 6.65% | 1.77% | 4.97% |
| Q1 2025 | 6.54% | 1.73% | 4.89% |
| Q2 2025 | 6.82% | 1.72% | 5.19% |
| Q3 2025 | 6.87% | 1.70% | 5.25% |
| Q4 2025 | 7.09% | 1.71% | 5.48% |
| Q1 2026 | 7.05% | 1.67% | 5.48% |
| Q2 2026 | 6.92% | 1.68% | 5.33% |
Citizens Guaranty 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 Guaranty 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 Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20872) · FFIEC NIC profile (RSSD 764816)