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, Total interest expense edged up by 1.6%, from $1.2M to $1.3M, the largest move among the key lines here. Within Pennsylvania, Citizens Savings Bank is 95th of 109 on net interest margin, 2.59% as of Q2 2026, below the middle of the field. Citizens Savings Bank reported 2.59% on net interest margin for Q2 2026, 1.36 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.06% |
| Yield on loans | 4.29% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.59% |
| Yield to cost spread | 2.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 3.31% | 1.29% | 2.16% | 3.71% | 1.47% |
| Q4 2023 | 3.51% | 1.55% | 2.11% | 3.88% | 1.64% |
| Q1 2024 | 3.60% | 1.80% | 2.00% | 3.90% | 1.49% |
| Q2 2024 | 3.83% | 1.81% | 2.27% | 3.97% | 1.83% |
| Q3 2024 | 3.91% | 1.93% | 2.19% | 4.05% | 2.19% |
| Q4 2024 | 3.90% | 2.01% | 2.10% | 4.05% | 2.53% |
| Q1 2025 | 3.94% | 1.66% | 2.45% | 4.11% | 2.54% |
| Q2 2025 | 4.02% | 1.61% | 2.58% | 4.15% | 2.42% |
| Q3 2025 | 3.99% | 1.68% | 2.51% | 4.20% | 2.22% |
| Q4 2025 | 4.01% | 1.69% | 2.51% | 4.24% | 2.21% |
| Q1 2026 | 4.02% | 1.63% | 2.57% | 4.26% | 2.38% |
| Q2 2026 | 4.06% | 1.66% | 2.59% | 4.29% | 2.39% |
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 31184) · FFIEC NIC profile (RSSD 828473)