Peoplefirst 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.0% to $1.3M. Peoplefirst Bank ranks 127th of 323 Illinois banks on net interest margin, in the upper half at 3.88% (Q2 2026). At 3.88%, Peoplefirst Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 6.89% |
| Yield on securities | 4.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | 6.02% | 2.62% | 3.45% | 6.68% | 3.66% |
| Q4 2023 | 6.07% | 2.66% | 3.41% | 6.61% | 4.20% |
| Q1 2024 | 6.06% | 2.96% | 3.11% | 6.66% | 4.26% |
| Q2 2024 | 5.92% | 2.98% | 2.88% | 6.47% | 4.48% |
| Q3 2024 | 5.83% | 2.90% | 2.79% | 6.47% | 4.43% |
| Q4 2024 | 6.01% | 2.74% | 3.14% | 6.70% | 4.76% |
| Q1 2025 | 6.01% | 2.56% | 3.33% | 6.67% | 4.67% |
| Q2 2025 | 6.49% | 2.53% | 3.94% | 7.26% | 4.88% |
| Q3 2025 | 6.15% | 2.26% | 3.88% | 6.85% | 4.88% |
| Q4 2025 | 6.13% | 2.21% | 3.89% | 6.98% | 4.88% |
| Q1 2026 | 6.05% | 2.22% | 3.76% | 6.62% | 4.95% |
| Q2 2026 | 6.29% | 2.34% | 3.88% | 6.89% | 4.89% |
Peoplefirst 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 Peoplefirst 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 Peoplefirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58597) · FFIEC NIC profile (RSSD 3548763)