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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing liabilities edged down 0.18 percentage points between Q1 2026 and Q2 2026, to 2.38%. Within Texas, Citizens State Bank is 151st of 345 on net interest margin, 4.25% as of Q2 2026. Citizens State Bank reported 4.25% on net interest margin for Q2 2026, 0.31 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.80% |
| Yield on loans | 7.62% |
| Yield on securities | 1.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $715K |
| 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 | 4.98% | 1.37% | 3.72% | 6.69% | 1.57% |
| Q4 2023 | 5.07% | 1.53% | 3.59% | 6.82% | 1.58% |
| Q1 2024 | 5.21% | 1.59% | 3.64% | 6.95% | 1.57% |
| Q2 2024 | 5.34% | 1.79% | 3.71% | 7.07% | 1.55% |
| Q3 2024 | 5.48% | 2.00% | 3.66% | 7.24% | 1.47% |
| Q4 2024 | 5.56% | 2.02% | 3.76% | 7.38% | 1.49% |
| Q1 2025 | 5.55% | 1.89% | 3.82% | 7.31% | 1.61% |
| Q2 2025 | 5.69% | 1.84% | 4.03% | 7.46% | 1.66% |
| Q3 2025 | 5.80% | 1.89% | 4.10% | 7.52% | 1.71% |
| Q4 2025 | 5.84% | 1.87% | 4.15% | 7.64% | 1.79% |
| Q1 2026 | 5.80% | 1.77% | 4.18% | 7.62% | 1.88% |
| Q2 2026 | 5.80% | 1.72% | 4.25% | 7.62% | 1.95% |
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 11905) · FFIEC NIC profile (RSSD 899651)