Citizens State Bank of Arlington: 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.
Cost of borrowings fell 0.57 percentage points from Q1 2026 to Q2 2026, ending at 1.14% against 1.71%. It was the largest change among the key lines on this page. Within South Dakota, Citizens State Bank of Arlington is 50th of 56 on net interest margin, 3.07% as of Q2 2026, below the middle of the field. Citizens State Bank of Arlington reported 3.07% on net interest margin for Q2 2026, 0.88 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 6.44% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 1.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $686K |
| Interest expense on deposits | $684K |
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 | 3.88% | 1.67% | 2.34% | 6.26% | 1.63% |
| Q4 2023 | 4.00% | 1.75% | 2.38% | 6.27% | 1.56% |
| Q1 2024 | 4.12% | 1.87% | 2.42% | 6.31% | 1.74% |
| Q2 2024 | 4.34% | 2.15% | 2.36% | 6.50% | 1.65% |
| Q3 2024 | 4.45% | 2.48% | 2.21% | 6.49% | 1.69% |
| Q4 2024 | 4.46% | 2.20% | 2.41% | 6.28% | 1.75% |
| Q1 2025 | 4.46% | 2.15% | 2.54% | 6.25% | 1.79% |
| Q2 2025 | 4.66% | 2.23% | 2.64% | 6.35% | 1.94% |
| Q3 2025 | 4.79% | 2.27% | 2.75% | 6.49% | 2.21% |
| Q4 2025 | 4.76% | 2.16% | 2.82% | 6.40% | 2.40% |
| Q1 2026 | 4.63% | 2.02% | 2.81% | 6.20% | 2.80% |
| Q2 2026 | 4.88% | 2.00% | 3.07% | 6.44% | 3.11% |
Citizens State Bank of Arlington 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 of Arlington, 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 of Arlington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1118) · FFIEC NIC profile (RSSD 274856)