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.
Compared with Q1 2026, Total interest expense rose 3.0% in Q2 2026 to $7.9M, the biggest move on this page. Peoples Bank ranks 68th of 87 Indiana banks on net interest margin, in the lower half at 3.23% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Peoples Bank sits 0.48 points lower, at 3.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | 5.56% |
| Yield on securities | 2.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | 3.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.23% |
| Yield to cost spread | 2.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.5M |
| Total interest expense | $7.9M |
| Interest expense on deposits | $7.2M |
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 | 4.42% | 1.58% | 2.70% | 5.03% | 2.33% |
| Q4 2023 | 4.49% | 1.74% | 2.60% | 5.09% | 2.36% |
| Q1 2024 | 4.44% | 1.88% | 2.42% | 5.03% | 2.35% |
| Q2 2024 | 4.53% | 1.88% | 2.51% | 5.12% | 2.31% |
| Q3 2024 | 4.61% | 1.96% | 2.50% | 5.23% | 2.32% |
| Q4 2024 | 4.66% | 1.90% | 2.64% | 5.27% | 2.32% |
| Q1 2025 | 4.57% | 1.72% | 2.74% | 5.25% | 2.11% |
| Q2 2025 | 4.75% | 1.68% | 2.97% | 5.37% | 2.48% |
| Q3 2025 | 4.82% | 1.70% | 3.02% | 5.50% | 2.38% |
| Q4 2025 | 4.88% | 1.62% | 3.17% | 5.65% | 2.30% |
| Q1 2026 | 4.81% | 1.51% | 3.22% | 5.51% | 2.27% |
| Q2 2026 | 4.86% | 1.55% | 3.23% | 5.56% | 2.28% |
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 29523) · FFIEC NIC profile (RSSD 568470)