The Citizens National Bank of McConnelsville: 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 4.48%, the biggest move on this page. Within Ohio, The Citizens National Bank of McConnelsville is 20th of 156 on net interest margin, 4.48% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens National Bank of McConnelsville sits 0.53 points higher, at 4.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 7.22% |
| Yield on securities | 2.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 3.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $379K |
| Interest expense on deposits | $333K |
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 | 5.00% | 2.21% | 2.93% | 6.08% | 1.83% |
| Q4 2023 | 5.42% | 2.18% | 3.37% | 6.54% | 1.86% |
| Q1 2024 | 5.26% | 2.31% | 3.08% | 6.34% | 1.71% |
| Q2 2024 | 5.48% | 2.36% | 3.29% | 6.52% | 1.80% |
| Q3 2024 | 5.52% | 2.48% | 3.21% | 6.61% | 2.14% |
| Q4 2024 | 5.88% | 2.33% | 3.72% | 7.08% | 2.16% |
| Q1 2025 | 5.69% | 2.27% | 3.72% | 6.72% | 2.14% |
| Q2 2025 | 5.93% | 1.98% | 4.10% | 7.10% | 2.23% |
| Q3 2025 | 5.86% | 2.03% | 4.02% | 7.07% | 2.34% |
| Q4 2025 | 5.94% | 1.84% | 4.31% | 7.07% | 2.39% |
| Q1 2026 | 5.77% | 1.68% | 4.24% | 6.91% | 2.38% |
| Q2 2026 | 5.98% | 1.64% | 4.48% | 7.22% | 2.35% |
The Citizens National Bank of McConnelsville 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 McConnelsville, 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 McConnelsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6638) · FFIEC NIC profile (RSSD 685023)