Citizens State Bank of New Castle: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.16 percentage points to 3.95%. Citizens State Bank of New Castle ranks 30th of 87 Indiana banks on net interest margin, in the upper half at 3.95% (Q2 2026). At 3.95%, Citizens State Bank of New Castle's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 6.81% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.9M |
| Total interest expense | $3.3M |
| 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 | 4.40% | 1.24% | 3.19% | 5.91% | 2.27% |
| Q4 2023 | 4.61% | 1.40% | 3.29% | 6.05% | 2.47% |
| Q1 2024 | 4.69% | 1.55% | 3.23% | 6.08% | 2.51% |
| Q2 2024 | 4.86% | 1.59% | 3.37% | 6.29% | 2.47% |
| Q3 2024 | 4.99% | 1.76% | 3.35% | 6.46% | 2.35% |
| Q4 2024 | 5.06% | 1.74% | 3.42% | 6.53% | 2.37% |
| Q1 2025 | 4.98% | 1.63% | 3.45% | 6.41% | 2.44% |
| Q2 2025 | 5.18% | 1.65% | 3.64% | 6.63% | 2.48% |
| Q3 2025 | 5.34% | 1.69% | 3.77% | 6.80% | 2.51% |
| Q4 2025 | 5.42% | 1.69% | 3.84% | 6.86% | 2.48% |
| Q1 2026 | 5.33% | 1.63% | 3.79% | 6.67% | 2.49% |
| Q2 2026 | 5.47% | 1.63% | 3.95% | 6.81% | 2.57% |
Citizens State Bank of New Castle 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 New Castle, 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 New Castle profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13107) · FFIEC NIC profile (RSSD 1000641)