Citizens State Bank - La Crosse: 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.
Yield on securities climbed 1.25 percentage points in Q2 2026, from 5.08% to 6.33%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Citizens State Bank - La Crosse is 43rd of 153 on net interest margin, 4.16% as of Q2 2026, above the middle of the field. Citizens State Bank - La Crosse reported 4.16% on net interest margin for Q2 2026, 0.21 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 6.70% |
| Yield on securities | 6.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.87% |
| Cost of borrowings | 2.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.1M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.1M |
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 | 5.83% | 2.23% | 3.71% | 5.90% | 2.63% |
| Q4 2023 | 5.92% | 2.42% | 3.66% | 6.05% | 2.92% |
| Q1 2024 | 6.02% | 2.55% | 3.64% | 6.18% | 4.10% |
| Q2 2024 | 5.97% | 2.68% | 3.51% | 6.11% | 3.99% |
| Q3 2024 | 6.30% | 2.76% | 3.79% | 6.50% | 6.38% |
| Q4 2024 | 6.28% | 2.68% | 3.84% | 6.60% | 5.10% |
| Q1 2025 | 5.95% | 2.58% | 3.61% | 6.26% | 5.10% |
| Q2 2025 | 6.06% | 2.65% | 3.70% | 6.41% | 6.36% |
| Q3 2025 | 6.30% | 2.62% | 3.99% | 6.59% | 5.09% |
| Q4 2025 | 6.32% | 2.55% | 4.10% | 6.71% | 6.34% |
| Q1 2026 | 6.26% | 2.48% | 4.09% | 6.74% | 5.08% |
| Q2 2026 | 6.29% | 2.48% | 4.16% | 6.70% | 6.33% |
Citizens State Bank - La Crosse 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 - La Crosse, 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 - La Crosse profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1513) · FFIEC NIC profile (RSSD 447557)