Citizens National Bank at Brownwood: 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 0.24 percentage points in Q2 2026 to 3.54%, the biggest move on this page. Within Texas, Citizens National Bank at Brownwood is 262nd of 345 on net interest margin, 3.54% as of Q2 2026, below the middle of the field. Citizens National Bank at Brownwood reported 3.54% on net interest margin for Q2 2026, 0.41 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | 7.24% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.11% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $746K |
| Interest expense on deposits | $746K |
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 | 3.77% | 1.22% | 2.57% | 6.94% | 1.13% |
| Q4 2023 | 3.99% | 1.42% | 2.62% | 7.25% | 1.15% |
| Q1 2024 | 4.06% | 1.66% | 2.46% | 7.36% | 1.11% |
| Q2 2024 | 4.09% | 1.68% | 2.46% | 7.51% | 1.10% |
| Q3 2024 | 4.16% | 1.77% | 2.47% | 7.65% | 1.15% |
| Q4 2024 | 4.33% | 1.61% | 2.80% | 7.73% | 1.28% |
| Q1 2025 | 4.31% | 1.40% | 2.97% | 7.51% | 1.28% |
| Q2 2025 | 4.34% | 1.33% | 3.09% | 7.51% | 1.27% |
| Q3 2025 | 4.50% | 1.37% | 3.22% | 7.59% | 1.67% |
| Q4 2025 | 4.54% | 1.40% | 3.28% | 7.77% | 2.20% |
| Q1 2026 | 4.42% | 1.19% | 3.30% | 7.21% | 2.48% |
| Q2 2026 | 4.58% | 1.11% | 3.54% | 7.24% | 2.63% |
Citizens National Bank at Brownwood 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 at Brownwood, 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 at Brownwood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14779) · FFIEC NIC profile (RSSD 233358)