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.
Yield on securities dropped 1.43 percentage points in Q2 2026, from 3.32% to 1.89%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Citizens Savings Bank is 66th of 225 on net interest margin, 3.91% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Citizens Savings Bank reported 3.91% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.58% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $748K |
| Total interest expense | $221K |
| Interest expense on deposits | $165K |
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 |
|---|---|---|---|
| Q3 2023 | 4.73% | 0.77% | 4.02% |
| Q4 2023 | 4.82% | 0.88% | 3.99% |
| Q1 2024 | 4.89% | 0.94% | 4.02% |
| Q2 2024 | 5.15% | 1.43% | 3.85% |
| Q3 2024 | 5.28% | 1.58% | 3.91% |
| Q4 2024 | 4.94% | 1.41% | 3.74% |
| Q1 2025 | 4.93% | 1.35% | 3.76% |
| Q2 2025 | 5.10% | 1.40% | 3.87% |
| Q3 2025 | 5.22% | 1.39% | 3.98% |
| Q4 2025 | 5.09% | 1.32% | 3.94% |
| Q1 2026 | 5.10% | 1.25% | 4.03% |
| Q2 2026 | 5.05% | 1.34% | 3.91% |
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 14785) · FFIEC NIC profile (RSSD 474544)