Citizens State Bank of Roseau: 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.
In Q2 2026, Yield on loans edged down by 0.12 percentage points, from 6.51% to 6.39%, the largest move among the key lines here. Citizens State Bank of Roseau ranks 181st of 221 Minnesota banks on net interest margin, in the lower half at 3.43% (Q2 2026). Citizens State Bank of Roseau reported 3.43% on net interest margin for Q2 2026, 0.52 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | 6.39% |
| Yield on securities | 2.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 4.41% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.1M |
| 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 | 3.83% | 1.59% | 2.39% | 5.59% | 1.98% |
| Q4 2023 | 4.07% | 1.77% | 2.46% | 5.89% | 2.01% |
| Q1 2024 | 4.26% | 2.07% | 2.37% | 5.99% | 2.18% |
| Q2 2024 | 4.51% | 2.01% | 2.54% | 6.19% | 2.42% |
| Q3 2024 | 4.63% | 1.98% | 2.66% | 6.45% | 2.48% |
| Q4 2024 | 4.73% | 2.13% | 2.80% | 6.55% | 2.41% |
| Q1 2025 | 4.56% | 1.75% | 2.97% | 6.27% | 2.39% |
| Q2 2025 | 4.80% | 1.70% | 3.25% | 6.53% | 2.60% |
| Q3 2025 | 4.90% | 1.78% | 3.30% | 6.68% | 2.62% |
| Q4 2025 | 4.93% | 1.73% | 3.36% | 6.67% | 2.72% |
| Q1 2026 | 4.84% | 1.66% | 3.37% | 6.51% | 2.72% |
| Q2 2026 | 4.86% | 1.64% | 3.43% | 6.39% | 2.82% |
Citizens State Bank of Roseau 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 Roseau, 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 Roseau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10167) · FFIEC NIC profile (RSSD 822051)