Citizens State Bank of Milford: 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 standout move of Q3 2026 was in Cost of borrowings: 16.89 percentage points lower than in Q2 2026, at 11.68%. Citizens State Bank of Milford ranks 114th of 323 Illinois banks on net interest margin, in the upper half at 3.95% (Q3 2026). At 3.95%, Citizens State Bank of Milford's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.89% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.13% |
| Cost of interest-bearing liabilities | 1.16% |
| Cost of borrowings | 11.68% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.73% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $348K |
| Total interest expense | $116K |
| Interest expense on deposits | $112K |
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 |
|---|---|---|---|
| Q4 2023 | 4.50% | 0.33% | 4.17% |
| Q1 2024 | 4.82% | 0.39% | 4.46% |
| Q2 2024 | 4.97% | 0.69% | 4.29% |
| Q3 2024 | 4.94% | 0.63% | 4.30% |
| Q4 2024 | 4.97% | 0.64% | 4.32% |
| Q1 2025 | 5.09% | 0.54% | 4.55% |
| Q2 2025 | 4.98% | 0.62% | 4.36% |
| Q3 2025 | 4.88% | 0.67% | 4.17% |
| Q4 2025 | 5.19% | 0.66% | 4.50% |
| Q1 2026 | 4.91% | 0.67% | 4.22% |
| Q2 2026 | 5.19% | 0.72% | 4.44% |
| Q3 2026 | 4.89% | 0.89% | 3.95% |
Citizens State Bank of Milford 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 Milford, 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 Milford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 931) · FFIEC NIC profile (RSSD 771047)