Citizens Tri-County 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.
Total interest expense rose 2.8% from Q1 2026 to Q2 2026, ending at $8.8M against $8.6M. It was the largest change among the key lines on this page. Citizens Tri-County Bank ranks 63rd of 109 Tennessee banks on net interest margin, in the lower half at 3.80% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Citizens Tri-County Bank reported 3.80% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.90% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.4M |
| Total interest expense | $8.8M |
| Interest expense on deposits | $8.8M |
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 |
|---|---|---|---|
| Q3 2023 | 5.54% | 2.32% | 3.34% |
| Q4 2023 | 5.80% | 2.51% | 3.43% |
| Q1 2024 | 5.81% | 2.63% | 3.31% |
| Q2 2024 | 6.10% | 2.72% | 3.52% |
| Q3 2024 | 6.20% | 2.80% | 3.55% |
| Q4 2024 | 6.23% | 2.72% | 3.69% |
| Q1 2025 | 5.94% | 2.57% | 3.50% |
| Q2 2025 | 6.15% | 2.54% | 3.75% |
| Q3 2025 | 6.21% | 2.54% | 3.82% |
| Q4 2025 | 6.23% | 2.46% | 3.92% |
| Q1 2026 | 5.89% | 2.32% | 3.68% |
| Q2 2026 | 6.00% | 2.35% | 3.80% |
Citizens Tri-County 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 Citizens Tri-County 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 Citizens Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20818) · FFIEC NIC profile (RSSD 162337)