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.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.1% between Q1 2026 and Q2 2026, to $1.3M. Within Arkansas, Peoples Bank is 26th of 78 on net interest margin, 4.29% as of Q2 2026, above the middle of the field. Peoples Bank reported 4.29% on net interest margin for Q2 2026, 0.34 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 7.57% |
| Yield on securities | 3.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 5.41% | 1.52% | 4.03% | 7.02% | 3.07% |
| Q4 2023 | 5.75% | 1.80% | 4.14% | 7.43% | 3.46% |
| Q1 2024 | 5.94% | 1.99% | 4.15% | 7.69% | 3.56% |
| Q2 2024 | 5.98% | 2.13% | 4.09% | 7.85% | 3.55% |
| Q3 2024 | 6.22% | 2.24% | 4.21% | 8.17% | 3.70% |
| Q4 2024 | 6.05% | 2.20% | 4.09% | 8.03% | 3.47% |
| Q1 2025 | 6.05% | 2.09% | 4.15% | 8.07% | 3.82% |
| Q2 2025 | 6.11% | 2.09% | 4.23% | 8.02% | 3.77% |
| Q3 2025 | 6.36% | 2.10% | 4.49% | 8.22% | 4.02% |
| Q4 2025 | 6.20% | 2.02% | 4.40% | 7.92% | 3.82% |
| Q1 2026 | 5.93% | 1.92% | 4.21% | 7.62% | 3.75% |
| Q2 2026 | 5.98% | 1.88% | 4.29% | 7.57% | 3.82% |
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 57058) · FFIEC NIC profile (RSSD 2939391)