Citizens State Bank and Trust Company: 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 4.30% to 4.40%, the largest move among the key lines here. Within Kansas, Citizens State Bank and Trust Company is 46th of 182 on net interest margin, 4.40% as of Q2 2026, above the middle of the field. Citizens State Bank and Trust Company reported 4.40% on net interest margin for Q2 2026, 0.45 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 6.44% |
| Yield on securities | 2.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.88% |
| Cost of interest-bearing deposits | 1.08% |
| Cost of interest-bearing liabilities | 1.11% |
| Cost of borrowings | 1.43% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.40% |
| Yield to cost spread | 4.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $188K |
| Interest expense on deposits | $168K |
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 | 3.93% | 0.54% | 3.46% | 5.71% | 1.48% |
| Q4 2023 | 4.16% | 0.52% | 3.71% | 5.83% | 1.36% |
| Q1 2024 | 4.29% | 0.38% | 3.97% | 5.92% | 1.22% |
| Q2 2024 | 4.54% | 0.41% | 4.20% | 6.11% | 1.08% |
| Q3 2024 | 4.93% | 0.52% | 4.50% | 6.38% | 1.22% |
| Q4 2024 | 5.01% | 0.67% | 4.45% | 6.42% | 1.83% |
| Q1 2025 | 5.00% | 0.65% | 4.45% | 6.32% | 2.20% |
| Q2 2025 | 5.12% | 0.72% | 4.52% | 6.45% | 2.13% |
| Q3 2025 | 5.27% | 0.77% | 4.62% | 6.56% | 2.10% |
| Q4 2025 | 5.17% | 0.94% | 4.39% | 6.59% | 2.21% |
| Q1 2026 | 5.03% | 0.86% | 4.30% | 6.39% | 2.28% |
| Q2 2026 | 5.15% | 0.88% | 4.40% | 6.44% | 2.47% |
Citizens State Bank and Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5830) · FFIEC NIC profile (RSSD 678557)