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 0.17 percentage points in Q2 2026 to 3.60%, the biggest move on this page. Within Iowa, Citizens State Bank is 128th of 225 on net interest margin, 3.60% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Citizens State Bank sits 0.34 points lower, at 3.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.09% |
| Yield on loans | 6.39% |
| Yield on securities | 2.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 16.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $717K |
| Interest expense on deposits | $715K |
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 | 3.93% | 1.45% | 2.51% | 5.39% | 1.74% |
| Q4 2023 | 4.13% | 1.75% | 2.55% | 5.61% | 1.75% |
| Q1 2024 | 4.29% | 2.05% | 2.42% | 5.78% | 1.75% |
| Q2 2024 | 4.47% | 2.25% | 2.43% | 5.93% | 1.76% |
| Q3 2024 | 4.57% | 2.28% | 2.53% | 6.09% | 1.75% |
| Q4 2024 | 4.66% | 1.98% | 2.87% | 6.11% | 1.77% |
| Q1 2025 | 4.63% | 1.77% | 3.02% | 6.05% | 1.75% |
| Q2 2025 | 4.75% | 1.85% | 3.08% | 6.20% | 1.75% |
| Q3 2025 | 4.93% | 1.82% | 3.30% | 6.37% | 1.77% |
| Q4 2025 | 4.97% | 1.82% | 3.33% | 6.38% | 1.84% |
| Q1 2026 | 4.92% | 1.66% | 3.43% | 6.29% | 2.01% |
| Q2 2026 | 5.09% | 1.68% | 3.60% | 6.39% | 2.14% |
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 18356) · FFIEC NIC profile (RSSD 413543)