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.
Compared with Q1 2026, Net interest margin rose 0.26 percentage points in Q2 2026 to 4.93%, the biggest move on this page. On net interest margin, The Citizens State Bank ranks 11th highest among the 182 banks headquartered in Kansas, at 4.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens State Bank sits 0.98 points higher, at 4.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.94% |
| Yield on loans | 7.08% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 3.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 4.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $811K |
| Interest expense on deposits | $803K |
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 | 4.76% | 1.07% | 3.75% | 6.69% | 2.09% |
| Q4 2023 | 4.92% | 1.17% | 3.80% | 6.88% | 2.10% |
| Q1 2024 | 5.11% | 1.40% | 3.77% | 7.03% | 2.10% |
| Q2 2024 | 5.42% | 1.49% | 4.00% | 7.27% | 2.10% |
| Q3 2024 | 5.54% | 1.59% | 4.04% | 7.42% | 2.20% |
| Q4 2024 | 5.61% | 1.40% | 4.28% | 7.43% | 2.38% |
| Q1 2025 | 5.73% | 1.29% | 4.49% | 7.27% | 2.49% |
| Q2 2025 | 6.01% | 1.30% | 4.78% | 7.31% | 2.57% |
| Q3 2025 | 6.02% | 1.28% | 4.81% | 7.49% | 2.73% |
| Q4 2025 | 5.82% | 1.19% | 4.70% | 7.30% | 2.91% |
| Q1 2026 | 5.73% | 1.13% | 4.67% | 7.05% | 3.02% |
| Q2 2026 | 5.94% | 1.09% | 4.93% | 7.08% | 3.15% |
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 15111) · FFIEC NIC profile (RSSD 858854)