First Citizens 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 0.12 percentage points, from 4.33% to 4.45%, the largest move among the key lines here. Within Alabama, First Citizens Bank is 25th of 93 on net interest margin, 4.45% as of Q2 2026. First Citizens Bank reported 4.45% on net interest margin for Q2 2026, 0.51 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 7.44% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 2.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.45% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 5.41% | 1.49% | 3.98% | 6.85% | 2.65% |
| Q4 2023 | 5.60% | 1.82% | 3.89% | 6.97% | 2.83% |
| Q1 2024 | 5.60% | 1.83% | 3.88% | 7.09% | 2.74% |
| Q2 2024 | 5.53% | 1.80% | 3.82% | 6.92% | 2.80% |
| Q3 2024 | 5.78% | 1.84% | 4.04% | 7.23% | 2.89% |
| Q4 2024 | 5.69% | 1.84% | 3.97% | 7.24% | 2.88% |
| Q1 2025 | 5.71% | 1.63% | 4.15% | 7.16% | 3.12% |
| Q2 2025 | 5.80% | 1.63% | 4.29% | 7.39% | 3.21% |
| Q3 2025 | 5.96% | 1.68% | 4.38% | 7.61% | 3.33% |
| Q4 2025 | 5.87% | 1.65% | 4.35% | 7.54% | 3.31% |
| Q1 2026 | 5.77% | 1.57% | 4.33% | 7.33% | 3.35% |
| Q2 2026 | 5.90% | 1.60% | 4.45% | 7.44% | 3.40% |
First Citizens 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 First Citizens 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 First Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23152) · FFIEC NIC profile (RSSD 541231)