First Peoples Bank of Tennessee: 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.
Yield on securities rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 2.72% against 2.42%. It was the largest change among the key lines on this page. Within Tennessee, First Peoples Bank of Tennessee is 28th of 109 on net interest margin, 4.30% as of Q2 2026, above the middle of the field. First Peoples Bank of Tennessee reported 4.30% on net interest margin for Q2 2026, 0.35 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 6.63% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 3.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $742K |
| Interest expense on deposits | $673K |
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 | 3.97% | 1.62% | 2.48% | 5.23% | 1.40% |
| Q4 2023 | 4.23% | 1.64% | 2.69% | 5.60% | 1.36% |
| Q1 2024 | 4.28% | 1.81% | 2.57% | 5.66% | 1.34% |
| Q2 2024 | 4.54% | 1.88% | 2.80% | 6.00% | 1.36% |
| Q3 2024 | 4.71% | 1.88% | 3.01% | 6.19% | 1.37% |
| Q4 2024 | 4.94% | 1.69% | 3.38% | 6.45% | 1.40% |
| Q1 2025 | 4.99% | 1.49% | 3.58% | 6.43% | 1.48% |
| Q2 2025 | 5.23% | 1.66% | 3.69% | 6.68% | 1.51% |
| Q3 2025 | 5.21% | 1.73% | 3.64% | 6.64% | 1.55% |
| Q4 2025 | 5.42% | 1.58% | 3.96% | 6.63% | 2.41% |
| Q1 2026 | 5.71% | 1.47% | 4.32% | 6.70% | 2.42% |
| Q2 2026 | 5.69% | 1.49% | 4.30% | 6.63% | 2.72% |
First Peoples Bank of Tennessee 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 of Tennessee, 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 of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21874) · FFIEC NIC profile (RSSD 421539)