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.
Cost of borrowings dropped 118.18 percentage points in Q3 2026, from 200.00% to 81.82%. It was the largest change from Q2 2026 among the key lines here. Among 138 Nebraska banks, Citizens State Bank sits 11th from the top on net interest margin, 4.64% as of Q3 2026. Citizens State Bank reported 4.64% on net interest margin for Q3 2026, 0.75 points above the 3.89% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 7.22% |
| Yield on loans | 7.52% |
| Yield on securities | — |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 3.23% |
| Cost of interest-bearing deposits | 3.24% |
| Cost of interest-bearing liabilities | 3.06% |
| Cost of borrowings | 81.82% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.64% |
| Yield to cost spread | 4.16% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $614K |
| Total interest expense | $227K |
| Interest expense on deposits | $200K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 6.23% | 3.26% | 3.92% | 6.81% | 0.00% |
| Q1 2024 | 6.41% | 3.42% | 3.80% | 7.26% | 0.00% |
| Q2 2024 | 6.81% | 3.54% | 4.10% | 7.43% | 0.00% |
| Q3 2024 | 6.74% | 3.85% | 3.98% | 7.18% | 0.00% |
| Q4 2024 | 6.73% | 3.81% | 3.98% | 7.20% | 0.00% |
| Q1 2025 | 6.95% | 3.48% | 4.30% | 7.49% | — |
| Q2 2025 | 6.88% | 3.56% | 4.28% | 7.35% | — |
| Q3 2025 | 7.34% | 3.64% | 4.67% | 7.79% | — |
| Q4 2025 | 6.92% | 3.47% | 4.27% | 7.36% | — |
| Q1 2026 | 7.06% | 3.04% | 4.71% | 7.53% | — |
| Q2 2026 | 7.12% | 3.00% | 4.72% | 7.47% | — |
| Q3 2026 | 7.22% | 3.23% | 4.64% | 7.52% | — |
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 18724) · FFIEC NIC profile (RSSD 235558)