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.
The standout move of Q2 2026 was in Cost of borrowings: 4.76 percentage points lower than in Q1 2026, at 0.00%. On net interest margin, Citizens State Bank ranks 4th highest among the 72 banks headquartered in Michigan, at 5.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Citizens State Bank sits 1.06 points higher, at 5.00% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.29% |
| Yield on loans | 7.66% |
| Yield on securities | 7.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 3.36% |
| Cost of interest-bearing liabilities | 3.36% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.00% |
| Yield to cost spread | 3.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $3.1M |
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 | 6.91% | 1.86% | 5.18% | 7.27% | 6.64% |
| Q4 2023 | 7.28% | 1.75% | 5.53% | 7.61% | 6.81% |
| Q1 2024 | 6.96% | 1.90% | 5.15% | 7.46% | 6.49% |
| Q2 2024 | 7.22% | 2.16% | 5.15% | 7.60% | 6.86% |
| Q3 2024 | 7.24% | 2.19% | 5.13% | 7.83% | 6.77% |
| Q4 2024 | 6.82% | 2.00% | 4.85% | 7.44% | 5.75% |
| Q1 2025 | 6.74% | 1.91% | 4.80% | 7.19% | 6.97% |
| Q2 2025 | 6.94% | 1.95% | 4.95% | 7.14% | 7.23% |
| Q3 2025 | 7.06% | 2.27% | 4.81% | 7.40% | 7.31% |
| Q4 2025 | 6.30% | 2.34% | 3.98% | 6.45% | 6.66% |
| Q1 2026 | 6.67% | 2.28% | 4.40% | 6.96% | 6.68% |
| Q2 2026 | 7.29% | 2.31% | 5.00% | 7.66% | 7.20% |
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 8183) · FFIEC NIC profile (RSSD 356752)