First Peoples 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 0.36 percentage points in Q2 2026 to 5.06%, the biggest move on this page. First Peoples Bank ranks 23rd of 121 Georgia banks on net interest margin, in the upper half at 5.06% (Q2 2026). First Peoples Bank reported 5.06% on net interest margin for Q2 2026, 1.11 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.71% |
| Yield on loans | 7.30% |
| Yield on securities | 3.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 4.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.06% |
| Yield to cost spread | 4.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.6M |
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 | 5.82% | 1.35% | 4.54% | 6.82% | 2.49% |
| Q4 2023 | 5.95% | 1.61% | 4.39% | 6.88% | 2.61% |
| Q1 2024 | 6.02% | 1.77% | 4.36% | 6.91% | 2.74% |
| Q2 2024 | 6.20% | 2.02% | 4.35% | 7.09% | 2.72% |
| Q3 2024 | 6.43% | 2.29% | 4.31% | 7.21% | 2.93% |
| Q4 2024 | 6.48% | 2.08% | 4.50% | 7.35% | 3.07% |
| Q1 2025 | 6.15% | 1.89% | 4.39% | 7.03% | 3.18% |
| Q2 2025 | 6.59% | 2.15% | 4.59% | 7.32% | 2.94% |
| Q3 2025 | 6.62% | 2.18% | 4.59% | 7.45% | 2.97% |
| Q4 2025 | 6.53% | 1.84% | 4.79% | 7.31% | 3.07% |
| Q1 2026 | 6.41% | 1.78% | 4.70% | 7.12% | 3.08% |
| Q2 2026 | 6.71% | 1.79% | 5.06% | 7.30% | 3.09% |
First Peoples 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 Peoples 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 Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33010) · FFIEC NIC profile (RSSD 1459799)