The Citizens State Bank: 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.
Net interest margin rose 0.23 percentage points from Q1 2026 to Q2 2026, ending at 4.15% against 3.92%. It was the largest change among the key lines on this page. Within Kansas, The Citizens State Bank is 66th of 182 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. The Citizens State Bank reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.85% |
| Yield on loans | 6.09% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.79% |
| Cost of interest-bearing deposits | 1.01% |
| Cost of interest-bearing liabilities | 1.02% |
| Cost of borrowings | 1.51% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $771K |
| Interest expense on deposits | $748K |
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 | 4.19% | 0.57% | 3.66% | 5.77% | 2.33% |
| Q4 2023 | 5.00% | 0.62% | 4.43% | 7.44% | 2.34% |
| Q1 2024 | 4.45% | 0.64% | 3.87% | 6.05% | 2.34% |
| Q2 2024 | 4.39% | 0.78% | 3.69% | 6.00% | 2.38% |
| Q3 2024 | 4.69% | 0.75% | 4.02% | 6.27% | 2.44% |
| Q4 2024 | 4.54% | 0.81% | 3.82% | 6.15% | 2.37% |
| Q1 2025 | 4.59% | 0.79% | 3.88% | 6.00% | 2.39% |
| Q2 2025 | 4.56% | 0.84% | 3.81% | 6.10% | 2.38% |
| Q3 2025 | 4.69% | 0.84% | 3.95% | 6.18% | 2.54% |
| Q4 2025 | 4.65% | 0.81% | 3.93% | 6.33% | 2.64% |
| Q1 2026 | 4.62% | 0.78% | 3.92% | 6.04% | 2.87% |
| Q2 2026 | 4.85% | 0.79% | 4.15% | 6.09% | 3.00% |
The Citizens State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank, 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 The Citizens State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17672) · FFIEC NIC profile (RSSD 273550)