Citizens National Bank of Albion: 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 Total interest expense, which fell 3.3% to $1.1M. Citizens National Bank of Albion ranks 99th of 323 Illinois banks on net interest margin, in the upper half at 4.02% (Q2 2026). At 4.02%, Citizens National Bank of Albion's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 6.23% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 4.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.11% | 1.39% | 2.90% | 4.90% | 2.32% |
| Q4 2023 | 4.31% | 1.57% | 2.96% | 5.11% | 2.44% |
| Q1 2024 | 4.45% | 1.72% | 2.98% | 5.25% | 2.52% |
| Q2 2024 | 4.65% | 1.81% | 3.12% | 5.49% | 2.57% |
| Q3 2024 | 4.82% | 1.93% | 3.20% | 5.71% | 2.60% |
| Q4 2024 | 4.88% | 1.87% | 3.26% | 5.79% | 2.64% |
| Q1 2025 | 4.91% | 1.72% | 3.41% | 5.80% | 2.76% |
| Q2 2025 | 4.95% | 1.72% | 3.46% | 5.86% | 2.89% |
| Q3 2025 | 5.22% | 1.77% | 3.67% | 6.16% | 3.05% |
| Q4 2025 | 5.27% | 1.74% | 3.75% | 6.19% | 3.21% |
| Q1 2026 | 5.31% | 1.62% | 3.89% | 6.19% | 3.33% |
| Q2 2026 | 5.39% | 1.57% | 4.02% | 6.23% | 3.56% |
Citizens National Bank of Albion 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 of Albion, 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 of Albion profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15760) · FFIEC NIC profile (RSSD 853747)