First 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.
Net interest margin rose 0.27 percentage points from Q1 2026 to Q2 2026, ending at 3.97% against 3.70%. It was the largest change among the key lines on this page. Within Wisconsin, First Citizens State Bank is 60th of 153 on net interest margin, 3.97% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; First Citizens State Bank reported 3.97% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.73% |
| Yield on loans | 6.51% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $2.2M |
| 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 | 4.47% | 1.68% | 3.03% | 5.45% | 2.81% |
| Q4 2023 | 4.57% | 1.91% | 2.95% | 5.52% | 2.80% |
| Q1 2024 | 4.63% | 2.12% | 2.82% | 5.52% | 2.83% |
| Q2 2024 | 4.90% | 2.22% | 3.03% | 5.87% | 2.86% |
| Q3 2024 | 5.01% | 2.43% | 2.95% | 5.94% | 2.93% |
| Q4 2024 | 5.19% | 2.41% | 3.13% | 6.13% | 3.01% |
| Q1 2025 | 5.15% | 2.35% | 3.10% | 6.08% | 3.10% |
| Q2 2025 | 5.45% | 2.40% | 3.42% | 6.27% | 3.38% |
| Q3 2025 | 5.51% | 2.25% | 3.59% | 6.46% | 3.13% |
| Q4 2025 | 5.58% | 2.17% | 3.76% | 6.47% | 3.24% |
| Q1 2026 | 5.51% | 2.12% | 3.70% | 6.34% | 3.22% |
| Q2 2026 | 5.73% | 2.08% | 3.97% | 6.51% | 3.20% |
First 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 First 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 First Citizens State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11228) · FFIEC NIC profile (RSSD 831642)