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.
Net interest margin rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 4.87% against 4.57%. It was the largest change among the key lines on this page. Citizens State Bank ranks 59th of 345 Texas banks on net interest margin, in the upper half at 4.87% (Q2 2026). Citizens State Bank reported 4.87% on net interest margin for Q2 2026, 1.16 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.36% |
| Yield on loans | 7.73% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.7M |
| Total interest expense | $4.2M |
| Interest expense on deposits | $4.2M |
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 | 5.35% | 1.30% | 3.96% | 6.47% | 2.26% |
| Q4 2023 | 5.58% | 1.49% | 3.99% | 6.67% | 2.60% |
| Q1 2024 | 5.75% | 1.61% | 4.02% | 6.75% | 3.03% |
| Q2 2024 | 5.94% | 1.82% | 4.15% | 7.02% | 2.89% |
| Q3 2024 | 6.10% | 1.98% | 4.24% | 7.24% | 3.05% |
| Q4 2024 | 6.21% | 1.95% | 4.37% | 7.35% | 3.12% |
| Q1 2025 | 6.31% | 1.77% | 4.63% | 7.50% | 3.38% |
| Q2 2025 | 6.19% | 1.69% | 4.59% | 7.33% | 3.16% |
| Q3 2025 | 6.33% | 1.69% | 4.75% | 7.57% | 3.12% |
| Q4 2025 | 6.21% | 1.70% | 4.64% | 7.50% | 3.23% |
| Q1 2026 | 6.09% | 1.61% | 4.57% | 7.35% | 3.41% |
| Q2 2026 | 6.36% | 1.60% | 4.87% | 7.73% | 3.42% |
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 16753) · FFIEC NIC profile (RSSD 261360)