The Citizens National Bank: 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 3.07% to 3.15%, the largest move among the key lines here. The Citizens National Bank has the 15th lowest net interest margin of the 182 banks headquartered in Kansas, at 3.15% as of Q2 2026. The Citizens National Bank reported 3.15% on net interest margin for Q2 2026, 0.80 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.32% |
| Yield on loans | 6.31% |
| Yield on securities | 2.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $683K |
| Interest expense on deposits | $671K |
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 | 3.41% | 0.71% | 2.76% | 5.37% | 2.17% |
| Q4 2023 | 3.53% | 1.20% | 2.43% | 5.58% | 2.22% |
| Q1 2024 | 3.60% | 1.38% | 2.34% | 5.58% | 2.16% |
| Q2 2024 | 3.77% | 1.45% | 2.45% | 5.92% | 2.37% |
| Q3 2024 | 3.86% | 1.58% | 2.42% | 6.05% | 2.46% |
| Q4 2024 | 3.98% | 1.48% | 2.65% | 6.28% | 2.44% |
| Q1 2025 | 3.90% | 1.31% | 2.71% | 5.99% | 2.44% |
| Q2 2025 | 3.99% | 1.35% | 2.76% | 6.09% | 2.49% |
| Q3 2025 | 4.19% | 1.39% | 2.91% | 6.30% | 2.50% |
| Q4 2025 | 4.31% | 1.40% | 3.04% | 6.40% | 2.50% |
| Q1 2026 | 4.25% | 1.30% | 3.07% | 6.25% | 2.45% |
| Q2 2026 | 4.32% | 1.27% | 3.15% | 6.31% | 2.54% |
The Citizens National Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4678) · FFIEC NIC profile (RSSD 991555)