Citizens Trust 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.
In Q2 2026, Net interest margin edged up by 0.07 percentage points, from 4.15% to 4.22%, the largest move among the key lines here. Citizens Trust Bank ranks 75th of 121 Georgia banks on net interest margin, in the lower half at 4.22% (Q2 2026). Citizens Trust Bank reported 4.22% on net interest margin for Q2 2026, 0.28 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 6.15% |
| Yield on securities | 4.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.22% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 5.17% | 0.42% | 4.79% | 6.37% | 3.01% |
| Q4 2023 | 5.35% | 0.51% | 4.89% | 6.46% | 3.06% |
| Q1 2024 | 5.39% | 0.53% | 4.91% | 6.65% | 3.37% |
| Q2 2024 | 5.57% | 0.65% | 5.00% | 6.65% | 3.56% |
| Q3 2024 | 5.51% | 0.88% | 4.72% | 6.62% | 3.60% |
| Q4 2024 | 5.29% | 1.01% | 4.37% | 6.33% | 3.79% |
| Q1 2025 | 5.24% | 1.02% | 4.32% | 6.41% | 3.78% |
| Q2 2025 | 5.25% | 1.06% | 4.30% | 6.29% | 3.94% |
| Q3 2025 | 5.32% | 1.03% | 4.40% | 6.49% | 3.95% |
| Q4 2025 | 5.27% | 1.01% | 4.36% | 6.44% | 3.98% |
| Q1 2026 | 5.04% | 1.01% | 4.15% | 6.15% | 4.03% |
| Q2 2026 | 5.11% | 1.01% | 4.22% | 6.15% | 4.07% |
Citizens Trust 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 Trust 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 Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8033) · FFIEC NIC profile (RSSD 680130)