Citizens State Bank of Loyal: 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: Total interest expense edged down 1.8% between Q1 2026 and Q2 2026, to $1.3M. Within Wisconsin, Citizens State Bank of Loyal is 123rd of 153 on net interest margin, 3.33% as of Q2 2026, below the middle of the field. Citizens State Bank of Loyal reported 3.33% on net interest margin for Q2 2026, 0.62 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | 6.12% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.0M |
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 | 4.07% | 1.64% | 2.57% | 5.13% | 2.30% |
| Q4 2023 | 4.29% | 1.83% | 2.61% | 5.31% | 2.33% |
| Q1 2024 | 4.34% | 1.99% | 2.52% | 5.47% | 2.41% |
| Q2 2024 | 4.50% | 2.07% | 2.62% | 5.51% | 2.36% |
| Q3 2024 | 4.75% | 2.19% | 2.73% | 5.57% | 2.90% |
| Q4 2024 | 4.68% | 2.20% | 2.66% | 5.58% | 2.53% |
| Q1 2025 | 4.67% | 2.09% | 2.75% | 5.64% | 2.78% |
| Q2 2025 | 4.82% | 2.04% | 2.94% | 5.79% | 2.81% |
| Q3 2025 | 5.01% | 2.12% | 3.07% | 6.07% | 3.00% |
| Q4 2025 | 5.04% | 1.97% | 3.25% | 6.04% | 3.04% |
| Q1 2026 | 5.00% | 1.89% | 3.29% | 6.17% | 3.04% |
| Q2 2026 | 5.03% | 1.86% | 3.33% | 6.12% | 3.20% |
Citizens State Bank of Loyal 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 Loyal, 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 Loyal profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6186) · FFIEC NIC profile (RSSD 479446)