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.
Compared with Q1 2026, Net interest margin rose 0.13 percentage points in Q2 2026 to 3.51%, the biggest move on this page. Citizens National Bank ranks 87th of 109 Tennessee banks on net interest margin, in the lower half at 3.51% (Q2 2026). Citizens National Bank reported 3.51% on net interest margin for Q2 2026, 0.20 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 5.97% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.0M |
| Total interest expense | $8.3M |
| Interest expense on deposits | $8.3M |
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 | 4.83% | 1.79% | 3.17% | 5.53% | 2.85% |
| Q4 2023 | 4.89% | 2.04% | 2.96% | 5.54% | 2.87% |
| Q1 2024 | 4.92% | 2.20% | 2.85% | 5.56% | 2.97% |
| Q2 2024 | 5.07% | 2.26% | 2.97% | 5.71% | 3.10% |
| Q3 2024 | 5.17% | 2.38% | 2.98% | 5.88% | 3.14% |
| Q4 2024 | 5.22% | 2.25% | 3.13% | 5.97% | 3.44% |
| Q1 2025 | 5.05% | 2.12% | 3.06% | 5.75% | 3.56% |
| Q2 2025 | 5.22% | 2.13% | 3.25% | 5.95% | 3.48% |
| Q3 2025 | 5.34% | 2.12% | 3.38% | 6.10% | 3.47% |
| Q4 2025 | 5.31% | 1.97% | 3.52% | 6.06% | 3.49% |
| Q1 2026 | 5.11% | 1.89% | 3.38% | 5.85% | 3.46% |
| Q2 2026 | 5.26% | 1.92% | 3.51% | 5.97% | 3.58% |
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 20954) · FFIEC NIC profile (RSSD 717737)