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, Yield on securities fell 0.25 percentage points in Q2 2026 to 3.19%, the biggest move on this page. Citizens State Bank ranks 180th of 225 Iowa banks on net interest margin, in the lower half at 3.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Citizens State Bank sits 0.82 points lower, at 3.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 6.71% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 3.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $3.0M |
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 | 4.53% | 2.14% | 2.32% | 5.77% | 3.00% |
| Q4 2023 | 4.62% | 2.40% | 2.11% | 6.02% | 2.70% |
| Q1 2024 | 4.88% | 2.60% | 2.23% | 6.29% | 3.04% |
| Q2 2024 | 5.18% | 2.72% | 2.40% | 6.54% | 3.40% |
| Q3 2024 | 4.94% | 2.85% | 2.21% | 6.80% | 2.85% |
| Q4 2024 | 5.14% | 2.74% | 2.48% | 6.78% | 3.10% |
| Q1 2025 | 5.28% | 2.55% | 2.69% | 6.68% | 3.14% |
| Q2 2025 | 5.12% | 2.59% | 2.50% | 6.52% | 3.01% |
| Q3 2025 | 5.40% | 2.61% | 2.78% | 6.75% | 3.47% |
| Q4 2025 | 5.59% | 2.52% | 3.08% | 6.82% | 3.64% |
| Q1 2026 | 5.36% | 2.29% | 3.08% | 6.60% | 3.44% |
| Q2 2026 | 5.28% | 2.26% | 3.12% | 6.71% | 3.19% |
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 9047) · FFIEC NIC profile (RSSD 795548)