First & Peoples Bank and Trust Company: 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.24 percentage points between Q1 2026 and Q2 2026, to 4.91%. First & Peoples Bank and Trust Company has the 8th lowest net interest margin of the 119 banks headquartered in Kentucky, at 2.87% as of Q2 2026. First & Peoples Bank and Trust Company reported 2.87% on net interest margin for Q2 2026, 1.08 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.89% |
| Yield on loans | 4.91% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.07% |
| Cost of interest-bearing deposits | 1.40% |
| Cost of interest-bearing liabilities | 1.40% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.87% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $513K |
| Interest expense on deposits | $513K |
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 | 3.94% | 1.12% | 2.88% | 5.04% | 2.58% |
| Q4 2023 | 3.40% | 1.46% | 2.02% | 3.88% | 2.73% |
| Q1 2024 | 3.79% | 1.37% | 2.50% | 4.64% | 2.74% |
| Q2 2024 | 3.89% | 1.45% | 2.53% | 4.71% | 2.72% |
| Q3 2024 | 3.20% | 1.49% | 1.80% | 3.58% | 2.71% |
| Q4 2024 | 3.74% | 1.59% | 2.24% | 4.57% | 2.72% |
| Q1 2025 | 3.68% | 1.46% | 2.29% | 4.43% | 2.80% |
| Q2 2025 | 3.78% | 1.39% | 2.45% | 4.58% | 2.90% |
| Q3 2025 | 3.89% | 1.37% | 2.55% | 4.71% | 2.87% |
| Q4 2025 | 3.88% | 1.15% | 2.79% | 4.89% | 2.93% |
| Q1 2026 | 3.75% | 1.05% | 2.75% | 4.67% | 3.01% |
| Q2 2026 | 3.89% | 1.07% | 2.87% | 4.91% | 2.98% |
First & Peoples Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8122) · FFIEC NIC profile (RSSD 391418)