The Citizens National Bank of Somerset: 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 0.17 percentage points to 3.38%. The Citizens National Bank of Somerset ranks 99th of 119 Kentucky banks on net interest margin, in the lower half at 3.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens National Bank of Somerset sits 0.57 points lower, at 3.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 6.52% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 3.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.0M |
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 | 4.10% | 1.44% | 2.75% | 5.56% | 2.32% |
| Q4 2023 | 4.20% | 1.57% | 2.74% | 5.65% | 2.39% |
| Q1 2024 | 4.19% | 1.77% | 2.54% | 5.66% | 2.38% |
| Q2 2024 | 4.33% | 1.75% | 2.69% | 5.82% | 2.48% |
| Q3 2024 | 4.45% | 2.00% | 2.61% | 6.05% | 2.55% |
| Q4 2024 | 4.58% | 1.98% | 2.74% | 6.18% | 2.63% |
| Q1 2025 | 4.56% | 1.89% | 2.82% | 6.21% | 2.71% |
| Q2 2025 | 4.74% | 1.86% | 3.00% | 6.38% | 2.82% |
| Q3 2025 | 4.79% | 1.90% | 3.02% | 6.50% | 2.98% |
| Q4 2025 | 4.91% | 1.82% | 3.21% | 6.69% | 2.99% |
| Q1 2026 | 4.78% | 1.63% | 3.21% | 6.37% | 3.07% |
| Q2 2026 | 4.93% | 1.61% | 3.38% | 6.52% | 3.10% |
The Citizens National Bank of Somerset 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 Somerset, 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 Somerset profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2725) · FFIEC NIC profile (RSSD 410917)