The Citizens National Bank of Quitman: 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 Net interest margin, which rose 0.22 percentage points to 4.38%. Within Georgia, The Citizens National Bank of Quitman is 67th of 121 on net interest margin, 4.38% as of Q2 2026, below the middle of the field. The Citizens National Bank of Quitman reported 4.38% on net interest margin for Q2 2026, 0.43 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 7.37% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $502K |
| Interest expense on deposits | $502K |
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 | 5.38% | 1.19% | 4.16% | 6.48% | 3.31% |
| Q4 2023 | 5.68% | 1.33% | 4.28% | 6.77% | 3.46% |
| Q1 2024 | 5.75% | 1.48% | 4.25% | 7.19% | 3.37% |
| Q2 2024 | 5.92% | 1.74% | 4.27% | 7.08% | 3.40% |
| Q3 2024 | 6.01% | 1.98% | 4.16% | 7.32% | 3.35% |
| Q4 2024 | 6.05% | 2.00% | 4.15% | 7.35% | 3.35% |
| Q1 2025 | 5.87% | 1.79% | 4.17% | 7.43% | 3.44% |
| Q2 2025 | 5.95% | 1.80% | 4.30% | 7.40% | 3.32% |
| Q3 2025 | 5.93% | 1.80% | 4.27% | 7.52% | 3.34% |
| Q4 2025 | 5.88% | 1.83% | 4.18% | 7.44% | 3.40% |
| Q1 2026 | 5.71% | 1.68% | 4.16% | 7.59% | 3.42% |
| Q2 2026 | 5.93% | 1.60% | 4.38% | 7.37% | 3.59% |
The Citizens National Bank of Quitman 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 Quitman, 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 Quitman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14731) · FFIEC NIC profile (RSSD 774235)