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 Net interest margin: 1.80 percentage points lower than in Q1 2026, at 3.87%. Citizens State Bank ranks 214th of 345 Texas banks on net interest margin, in the lower half at 3.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Citizens State Bank reported 3.87% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.2M |
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 |
|---|---|---|---|
| Q3 2023 | 5.26% | 1.26% | 3.85% |
| Q4 2023 | 5.40% | 1.41% | 3.85% |
| Q1 2024 | 5.57% | 1.45% | 3.89% |
| Q2 2024 | 5.62% | 1.61% | 3.74% |
| Q3 2024 | 5.80% | 1.64% | 3.86% |
| Q4 2024 | 5.78% | 1.61% | 3.90% |
| Q1 2025 | 5.84% | 1.46% | 4.09% |
| Q2 2025 | 6.26% | 1.49% | 4.43% |
| Q3 2025 | 6.25% | 1.54% | 4.26% |
| Q4 2025 | 6.26% | 1.55% | 4.32% |
| Q1 2026 | 8.02% | 2.02% | 5.67% |
| Q2 2026 | 5.71% | 2.01% | 3.87% |
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 12303) · FFIEC NIC profile (RSSD 625065)