Citizens State Bank and Trust Co., Ellsworth, Kansas: 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 Cost of borrowings: 1.23 percentage points higher than in Q1 2026, at 3.57%. Citizens State Bank and Trust Co., Ellsworth, Kansas has the 11th lowest net interest margin of the 182 banks headquartered in Kansas, at 3.12% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Citizens State Bank and Trust Co., Ellsworth, Kansas sits 0.83 points lower, at 3.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | 6.53% |
| Yield on securities | 2.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 3.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $960K |
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 | 4.14% | 2.09% | 2.17% | 5.38% | 2.05% |
| Q4 2023 | 4.25% | 2.54% | 1.86% | 5.53% | 1.99% |
| Q1 2024 | 4.39% | 2.01% | 2.51% | 5.76% | 1.97% |
| Q2 2024 | 4.56% | 2.45% | 2.28% | 5.88% | 2.05% |
| Q3 2024 | 4.63% | 2.54% | 2.28% | 6.02% | 2.07% |
| Q4 2024 | 4.69% | 2.72% | 2.18% | 6.13% | 2.06% |
| Q1 2025 | 4.58% | 2.11% | 2.63% | 6.06% | 2.11% |
| Q2 2025 | 4.90% | 2.35% | 2.73% | 6.32% | 2.29% |
| Q3 2025 | 5.04% | 2.32% | 2.91% | 6.48% | 2.44% |
| Q4 2025 | 5.09% | 2.52% | 2.79% | 6.61% | 2.33% |
| Q1 2026 | 4.92% | 1.92% | 3.15% | 6.43% | 2.44% |
| Q2 2026 | 5.06% | 2.11% | 3.12% | 6.53% | 2.54% |
Citizens State Bank and Trust Co., Ellsworth, Kansas 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 and Trust Co., Ellsworth, Kansas, 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 and Trust Co., Ellsworth, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11778) · FFIEC NIC profile (RSSD 733951)