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.
Cost of borrowings rose 0.69 percentage points from Q1 2026 to Q2 2026, ending at 3.96% against 3.27%. It was the largest change among the key lines on this page. Within Ohio, Peoples Bank is 47th of 156 on net interest margin, 4.06% as of Q2 2026, above the middle of the field. Peoples Bank reported 4.06% on net interest margin for Q2 2026, 0.35 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.15% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | 3.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $101.4M |
| Total interest expense | $34.1M |
| Interest expense on deposits | $27.8M |
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 | 5.85% | 1.52% | 4.49% | 6.82% | 2.64% |
| Q4 2023 | 6.15% | 1.88% | 4.38% | 7.24% | 2.65% |
| Q1 2024 | 6.15% | 2.03% | 4.24% | 7.18% | 2.84% |
| Q2 2024 | 5.89% | 2.40% | 3.96% | 6.75% | 3.00% |
| Q3 2024 | 6.06% | 2.47% | 4.09% | 6.93% | 3.04% |
| Q4 2024 | 5.84% | 2.30% | 4.00% | 6.69% | 3.08% |
| Q1 2025 | 5.61% | 2.11% | 3.91% | 6.36% | 3.12% |
| Q2 2025 | 5.65% | 2.08% | 3.98% | 6.38% | 3.17% |
| Q3 2025 | 5.76% | 2.16% | 4.02% | 6.44% | 3.43% |
| Q4 2025 | 5.65% | 1.71% | 3.98% | 6.31% | 3.38% |
| Q1 2026 | 5.51% | 1.44% | 3.97% | 6.13% | 3.29% |
| Q2 2026 | 5.54% | 1.65% | 4.06% | 6.15% | 3.42% |
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 6544) · FFIEC NIC profile (RSSD 577128)