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.
Net interest margin dropped 0.38 percentage points in Q2 2026, from 5.25% to 4.87%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank ranks 13th of 109 Tennessee banks on net interest margin, in the upper half at 4.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples Bank sits 0.92 points higher, at 4.87% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.39% |
| Yield on loans | 8.05% |
| Yield on securities | 4.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 3.14% |
| Cost of interest-bearing liabilities | 3.12% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 4.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.0M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.5M |
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 | 7.77% | 1.99% | 5.57% | 8.29% | 2.85% |
| Q4 2023 | 8.04% | 2.23% | 5.61% | 8.60% | 2.97% |
| Q1 2024 | 8.38% | 2.38% | 5.77% | 9.01% | 2.96% |
| Q2 2024 | 8.70% | 2.50% | 6.00% | 9.29% | 3.07% |
| Q3 2024 | 8.42% | 2.67% | 5.55% | 9.09% | 3.12% |
| Q4 2024 | 8.47% | 2.73% | 5.55% | 9.29% | 3.44% |
| Q1 2025 | 7.91% | 2.69% | 5.07% | 8.86% | 3.78% |
| Q2 2025 | 7.85% | 2.72% | 5.01% | 8.88% | 4.03% |
| Q3 2025 | 7.98% | 2.65% | 5.19% | 8.90% | 4.05% |
| Q4 2025 | 7.90% | 2.59% | 5.13% | 8.85% | 4.04% |
| Q1 2026 | 7.79% | 2.41% | 5.25% | 8.62% | 4.06% |
| Q2 2026 | 7.39% | 2.41% | 4.87% | 8.05% | 4.04% |
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 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 Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9489) · FFIEC NIC profile (RSSD 148238)