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.
In Q2 2026, Cost of borrowings edged up by 0.17 percentage points, from 3.58% to 3.75%, the largest move among the key lines here. On net interest margin, Citizens Savings Bank is 7th from the bottom among 225 Iowa banks, 2.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens Savings Bank sits 1.68 points lower, at 2.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.52% |
| Yield on loans | 6.45% |
| Yield on securities | 2.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.63% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.27% |
| Yield to cost spread | 1.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $867K |
| Interest expense on deposits | $822K |
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 | 3.88% | 2.48% | 1.78% | 5.23% | 2.93% |
| Q4 2023 | 3.33% | 2.54% | 1.16% | 5.38% | 1.87% |
| Q1 2024 | 3.93% | 2.67% | 1.67% | 5.58% | 2.70% |
| Q2 2024 | 4.06% | 2.88% | 1.62% | 5.82% | 2.69% |
| Q3 2024 | 4.13% | 3.07% | 1.51% | 5.99% | 2.64% |
| Q4 2024 | 4.19% | 2.96% | 1.66% | 6.12% | 2.65% |
| Q1 2025 | 4.24% | 2.83% | 1.82% | 6.09% | 2.76% |
| Q2 2025 | 4.31% | 2.81% | 1.92% | 6.22% | 2.80% |
| Q3 2025 | 4.49% | 2.77% | 2.13% | 6.47% | 2.89% |
| Q4 2025 | 4.43% | 2.75% | 2.07% | 6.48% | 2.72% |
| Q1 2026 | 4.50% | 2.60% | 2.29% | 6.42% | 2.94% |
| Q2 2026 | 4.52% | 2.63% | 2.27% | 6.45% | 2.95% |
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 12128) · FFIEC NIC profile (RSSD 544447)