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.
The biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged down 0.19 percentage points between Q1 2026 and Q2 2026, to 1.06%. Citizens Savings Bank ranks 185th of 225 Iowa banks on net interest margin, in the lower half at 3.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens Savings Bank sits 0.88 points lower, at 3.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.36% |
| Yield on loans | 6.69% |
| Yield on securities | 2.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.39% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.58% |
| Cost of borrowings | 1.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $536K |
| Interest expense on deposits | $532K |
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 | 3.85% | 0.97% | 2.92% | 6.25% | 2.35% |
| Q4 2023 | 3.74% | 1.17% | 2.64% | 5.92% | 2.36% |
| Q1 2024 | 3.86% | 1.24% | 2.69% | 6.21% | 2.36% |
| Q2 2024 | 4.00% | 1.34% | 2.74% | 6.45% | 2.36% |
| Q3 2024 | 4.06% | 1.30% | 2.85% | 6.63% | 2.32% |
| Q4 2024 | 4.18% | 1.54% | 2.74% | 6.71% | 2.31% |
| Q1 2025 | 4.29% | 1.52% | 2.81% | 6.60% | 2.46% |
| Q2 2025 | 4.20% | 1.55% | 2.75% | 6.67% | 2.29% |
| Q3 2025 | 4.34% | 1.48% | 2.96% | 6.78% | 2.31% |
| Q4 2025 | 4.41% | 1.46% | 3.04% | 6.85% | 2.35% |
| Q1 2026 | 4.35% | 1.38% | 3.05% | 6.69% | 2.39% |
| Q2 2026 | 4.36% | 1.39% | 3.07% | 6.69% | 2.52% |
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 10125) · FFIEC NIC profile (RSSD 758842)