Citizens State Bank of Luling: 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 3.56 percentage points in Q2 2026, from 2.56% to 6.12%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens State Bank of Luling is 80th of 345 on net interest margin, 4.72% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Citizens State Bank of Luling sits 0.83 points higher, at 4.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 5.77% |
| Yield on securities | 6.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | -0.02% |
| Cost of interest-bearing deposits | 0.05% |
| Cost of interest-bearing liabilities | -0.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.72% |
| Yield to cost spread | 5.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | -$154K |
| Total interest expense | -$3K |
| Interest expense on deposits | $4K |
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 | 5.58% | 0.55% | 5.08% | 5.96% | 2.62% |
| Q4 2023 | 5.71% | 0.75% | 5.04% | 6.09% | 2.57% |
| Q1 2024 | 5.86% | 0.69% | 5.25% | 6.28% | 2.58% |
| Q2 2024 | 5.78% | 0.64% | 5.19% | 6.23% | 2.75% |
| Q3 2024 | 6.00% | 0.80% | 5.28% | 6.49% | 2.74% |
| Q4 2024 | 6.73% | 0.94% | 5.89% | 7.42% | 2.72% |
| Q1 2025 | 6.38% | 0.92% | 5.54% | 6.87% | 2.74% |
| Q2 2025 | 6.54% | 0.97% | 5.70% | 6.97% | 2.50% |
| Q3 2025 | 6.68% | 1.06% | 5.78% | 7.15% | 2.65% |
| Q4 2025 | 6.66% | 0.87% | 5.90% | 7.14% | 2.68% |
| Q1 2026 | 6.11% | 0.84% | 5.39% | 6.51% | 2.56% |
| Q2 2026 | 5.36% | -0.02% | 4.72% | 5.77% | 6.12% |
Citizens State Bank of Luling 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 Luling, 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 Luling profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10327) · FFIEC NIC profile (RSSD 954653)