Citizens State 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.
Compared with Q1 2026, Net interest margin rose 0.24 percentage points in Q2 2026 to 3.82%, the biggest move on this page. Citizens State Bank ranks 78th of 225 Iowa banks on net interest margin, in the upper half at 3.82% (Q2 2026). Citizens State Bank reported 3.82% on net interest margin for Q2 2026, 0.13 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 7.11% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 4.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $559K |
| Interest expense on deposits | $530K |
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 | 4.61% | 1.29% | 3.28% | 5.96% | 2.27% |
| Q4 2023 | 4.94% | 1.49% | 3.40% | 6.40% | 2.30% |
| Q1 2024 | 5.03% | 1.55% | 3.41% | 6.49% | 2.45% |
| Q2 2024 | 5.35% | 1.81% | 3.59% | 6.96% | 2.54% |
| Q3 2024 | 5.44% | 2.09% | 3.56% | 7.07% | 2.58% |
| Q4 2024 | 5.43% | 2.13% | 3.51% | 7.12% | 2.72% |
| Q1 2025 | 5.38% | 1.96% | 3.58% | 6.99% | 2.87% |
| Q2 2025 | 5.56% | 1.91% | 3.80% | 7.13% | 2.96% |
| Q3 2025 | 5.70% | 1.91% | 3.96% | 7.27% | 2.96% |
| Q4 2025 | 5.55% | 1.96% | 3.78% | 7.27% | 3.06% |
| Q1 2026 | 5.35% | 1.91% | 3.58% | 7.09% | 3.32% |
| Q2 2026 | 5.52% | 1.85% | 3.82% | 7.11% | 3.51% |
Citizens State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11759) · FFIEC NIC profile (RSSD 212344)