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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.45 percentage points to 2.37%. The Citizens State Bank ranks 116th of 182 Kansas banks on net interest margin, in the lower half at 3.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens State Bank sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.32% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 2.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 | 5.35% | 1.81% | 3.69% | 6.19% | 2.35% |
| Q4 2023 | 5.52% | 2.06% | 3.58% | 6.27% | 2.51% |
| Q1 2024 | 5.50% | 2.19% | 3.46% | 6.40% | 2.55% |
| Q2 2024 | 5.56% | 2.31% | 3.45% | 6.45% | 2.73% |
| Q3 2024 | 5.90% | 2.56% | 3.48% | 6.68% | 2.77% |
| Q4 2024 | 5.90% | 2.58% | 3.47% | 6.65% | 2.79% |
| Q1 2025 | 5.82% | 2.40% | 3.56% | 6.44% | 3.02% |
| Q2 2025 | 5.72% | 2.35% | 3.55% | 6.55% | 2.68% |
| Q3 2025 | 5.71% | 2.44% | 3.42% | 6.34% | 2.91% |
| Q4 2025 | 5.80% | 2.40% | 3.55% | 6.46% | 2.96% |
| Q1 2026 | 5.56% | 2.11% | 3.61% | 6.21% | 3.03% |
| Q2 2026 | 5.66% | 2.05% | 3.76% | 6.32% | 3.12% |
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 14269) · FFIEC NIC profile (RSSD 572459)