Citizens Savings 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.
Compared with Q1 2026, Yield on securities rose 0.26 percentage points in Q2 2026 to 3.16%, the biggest move on this page. Within Louisiana, Citizens Savings Bank is 18th of 103 on net interest margin, 4.73% 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. Citizens Savings Bank sits 0.78 points higher, at 4.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.68% |
| Yield on loans | 7.54% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.19% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.73% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.8M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 5.70% | 1.78% | 4.08% | 6.43% | 2.66% |
| Q4 2023 | 5.96% | 2.05% | 4.08% | 6.66% | 2.76% |
| Q1 2024 | 6.15% | 2.25% | 4.11% | 6.94% | 2.63% |
| Q2 2024 | 6.32% | 2.31% | 4.23% | 7.09% | 2.65% |
| Q3 2024 | 6.32% | 2.40% | 4.16% | 7.09% | 2.59% |
| Q4 2024 | 6.44% | 2.51% | 4.19% | 7.27% | 2.60% |
| Q1 2025 | 6.53% | 2.38% | 4.40% | 7.38% | 2.67% |
| Q2 2025 | 6.43% | 2.29% | 4.37% | 7.29% | 2.80% |
| Q3 2025 | 6.49% | 2.23% | 4.49% | 7.33% | 2.90% |
| Q4 2025 | 6.62% | 2.27% | 4.61% | 7.46% | 2.92% |
| Q1 2026 | 6.74% | 2.22% | 4.77% | 7.63% | 2.90% |
| Q2 2026 | 6.68% | 2.19% | 4.73% | 7.54% | 3.16% |
Citizens Savings 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 Citizens Savings 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 Citizens Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30270) · FFIEC NIC profile (RSSD 1014376)