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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.19 percentage points to 3.82%. Citizens State Bank ranks 75th of 153 Wisconsin banks on net interest margin, in the upper half at 3.82% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Citizens State Bank sits 0.12 points lower, at 3.82% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.34% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 3.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.5M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.52% | 1.92% | 3.80% | 5.90% | 3.47% |
| Q4 2023 | 5.65% | 2.50% | 3.35% | 5.97% | 3.69% |
| Q1 2024 | 5.56% | 2.90% | 2.86% | 5.96% | 3.62% |
| Q2 2024 | 5.81% | 2.99% | 3.08% | 6.15% | 3.92% |
| Q3 2024 | 5.98% | 2.95% | 3.30% | 6.35% | 4.03% |
| Q4 2024 | 5.97% | 2.70% | 3.51% | 6.34% | 3.84% |
| Q1 2025 | 5.82% | 2.62% | 3.44% | 6.16% | 3.68% |
| Q2 2025 | 5.94% | 2.68% | 3.51% | 6.31% | 3.63% |
| Q3 2025 | 6.04% | 2.55% | 3.73% | 6.47% | 3.68% |
| Q4 2025 | 5.94% | 2.40% | 3.77% | 6.35% | 3.38% |
| Q1 2026 | 5.73% | 2.39% | 3.63% | 6.17% | 3.61% |
| Q2 2026 | 5.90% | 2.29% | 3.82% | 6.34% | 3.52% |
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 6194) · FFIEC NIC profile (RSSD 867856)