The Citizens National Bank of Bluffton: 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 0.14 percentage points in Q2 2026 to 4.39%, the biggest move on this page. The Citizens National Bank of Bluffton ranks 27th of 156 Ohio banks on net interest margin, in the upper half at 4.39% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Citizens National Bank of Bluffton sits 0.68 points higher, at 4.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.51% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.3M |
| Total interest expense | $4.1M |
| Interest expense on deposits | $3.0M |
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 | 5.13% | 1.42% | 3.63% | 5.69% | 2.40% |
| Q4 2023 | 5.26% | 1.46% | 3.72% | 5.81% | 2.58% |
| Q1 2024 | 5.31% | 1.59% | 3.61% | 5.86% | 2.61% |
| Q2 2024 | 5.43% | 1.76% | 3.58% | 5.99% | 2.66% |
| Q3 2024 | 5.57% | 1.77% | 3.72% | 6.16% | 2.75% |
| Q4 2024 | 5.62% | 1.65% | 3.87% | 6.22% | 2.84% |
| Q1 2025 | 5.72% | 1.50% | 4.10% | 6.32% | 2.90% |
| Q2 2025 | 5.79% | 1.45% | 4.24% | 6.41% | 2.93% |
| Q3 2025 | 5.84% | 1.51% | 4.24% | 6.47% | 3.01% |
| Q4 2025 | 5.89% | 1.44% | 4.38% | 6.53% | 3.03% |
| Q1 2026 | 5.75% | 1.42% | 4.25% | 6.35% | 3.09% |
| Q2 2026 | 5.90% | 1.41% | 4.39% | 6.51% | 3.12% |
The Citizens National Bank of Bluffton yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Bluffton, 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 The Citizens National Bank of Bluffton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6531) · FFIEC NIC profile (RSSD 738013)