The Citizens National Bank of Woodsfield: 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 3.57%. Within Ohio, The Citizens National Bank of Woodsfield is 90th of 156 on net interest margin, 3.57% as of Q2 2026, below the middle of the field. The Citizens National Bank of Woodsfield reported 3.57% on net interest margin for Q2 2026, 0.38 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.73% |
| Yield on loans | 5.27% |
| Yield on securities | 2.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.17% |
| Cost of interest-bearing deposits | 0.31% |
| Cost of interest-bearing liabilities | 0.31% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.57% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $839K |
| Total interest expense | $59K |
| Interest expense on deposits | $59K |
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 | 2.69% | 0.15% | 2.55% | 4.34% | 1.37% |
| Q4 2023 | 2.78% | 0.20% | 2.59% | 4.43% | 1.40% |
| Q1 2024 | 2.83% | 0.22% | 2.62% | 4.57% | 1.38% |
| Q2 2024 | 3.00% | 0.25% | 2.77% | 4.68% | 1.37% |
| Q3 2024 | 3.05% | 0.25% | 2.81% | 4.81% | 1.35% |
| Q4 2024 | 3.11% | 0.26% | 2.87% | 4.85% | 1.40% |
| Q1 2025 | 3.06% | 0.25% | 2.83% | 4.85% | 1.42% |
| Q2 2025 | 3.30% | 0.24% | 3.08% | 5.00% | 1.50% |
| Q3 2025 | 3.33% | 0.23% | 3.11% | 5.10% | 1.63% |
| Q4 2025 | 3.53% | 0.23% | 3.32% | 5.21% | 1.78% |
| Q1 2026 | 3.51% | 0.18% | 3.35% | 5.16% | 2.00% |
| Q2 2026 | 3.73% | 0.17% | 3.57% | 5.27% | 2.27% |
The Citizens National Bank of Woodsfield 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 Woodsfield, 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 Woodsfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6732) · FFIEC NIC profile (RSSD 386825)