Citizens Savings Bank and Trust Company: 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 standout move of Q2 2026 was in Cost of borrowings: 2.84 percentage points higher than in Q1 2026, at 4.07%. Citizens Savings Bank and Trust Company ranks 84th of 109 Tennessee banks on net interest margin, in the lower half at 3.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens Savings Bank and Trust Company sits 0.39 points lower, at 3.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 6.57% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.80% |
| Cost of interest-bearing deposits | 3.28% |
| Cost of interest-bearing liabilities | 3.24% |
| Cost of borrowings | 4.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 2.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.1M |
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 | 5.98% | 1.84% | 4.33% | 6.51% | 0.85% |
| Q4 2023 | 6.82% | 2.51% | 4.55% | 7.44% | 0.93% |
| Q1 2024 | 6.34% | 2.99% | 3.63% | 6.77% | 0.96% |
| Q2 2024 | 6.21% | 3.15% | 3.34% | 6.47% | 1.05% |
| Q3 2024 | 6.27% | 3.20% | 3.32% | 6.63% | 1.25% |
| Q4 2024 | 6.12% | 3.23% | 3.12% | 6.37% | 1.47% |
| Q1 2025 | 5.99% | 3.04% | 3.19% | 6.41% | 1.65% |
| Q2 2025 | 6.16% | 3.06% | 3.33% | 6.49% | 1.89% |
| Q3 2025 | 6.14% | 3.11% | 3.25% | 6.57% | 2.13% |
| Q4 2025 | 6.55% | 2.94% | 3.85% | 6.94% | 2.32% |
| Q1 2026 | 6.07% | 2.66% | 3.54% | 6.46% | 2.45% |
| Q2 2026 | 6.16% | 2.80% | 3.56% | 6.57% | 2.64% |
Citizens Savings Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10319) · FFIEC NIC profile (RSSD 55635)