Citizens 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.
Total interest expense rose 3.9% from Q1 2026 to Q2 2026, ending at $2.7M against $2.6M. It was the largest change among the key lines on this page. Within Texas, Citizens National Bank is 224th of 345 on net interest margin, 3.81% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens National Bank sits 0.14 points lower, at 3.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.7M |
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 | 4.13% | 1.83% | 2.51% |
| Q4 2023 | 4.56% | 1.99% | 2.73% |
| Q1 2024 | 4.66% | 2.18% | 2.66% |
| Q2 2024 | 4.84% | 2.22% | 2.82% |
| Q3 2024 | 4.97% | 2.27% | 2.91% |
| Q4 2024 | 5.03% | 2.16% | 3.09% |
| Q1 2025 | 4.96% | 2.01% | 3.14% |
| Q2 2025 | 5.32% | 1.95% | 3.56% |
| Q3 2025 | 5.35% | 1.89% | 3.65% |
| Q4 2025 | 5.38% | 1.83% | 3.75% |
| Q1 2026 | 5.36% | 1.76% | 3.78% |
| Q2 2026 | 5.40% | 1.78% | 3.81% |
Citizens 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 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3127) · FFIEC NIC profile (RSSD 59352)