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, Total interest expense rose 2.7% in Q2 2026 to $2.3M, the biggest move on this page. Within Texas, Citizens State Bank is 296th of 345 on net interest margin, 3.26% as of Q2 2026, below the middle of the field. Citizens State Bank reported 3.26% on net interest margin for Q2 2026, 0.69 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 |
|---|---|---|---|
| Q3 2023 | 4.28% | 1.57% | 2.90% |
| Q4 2023 | 4.48% | 1.76% | 2.94% |
| Q1 2024 | 4.57% | 2.02% | 2.77% |
| Q2 2024 | 4.68% | 2.12% | 2.81% |
| Q3 2024 | 4.82% | 2.16% | 2.92% |
| Q4 2024 | 4.85% | 2.10% | 3.00% |
| Q1 2025 | 4.80% | 2.06% | 2.97% |
| Q2 2025 | 4.96% | 2.07% | 3.12% |
| Q3 2025 | 5.09% | 2.08% | 3.25% |
| Q4 2025 | 5.06% | 2.19% | 3.19% |
| Q1 2026 | 5.00% | 2.14% | 3.17% |
| Q2 2026 | 5.08% | 2.16% | 3.26% |
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 17214) · FFIEC NIC profile (RSSD 523161)