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 standout move of Q2 2026 was in Net interest margin: 0.39 percentage points higher than in Q1 2026, at 6.87%. As of Q2 2026, Peoples Bank ranks first in Mississippi on net interest margin among 57 banks, at 6.87%. Against a median of 3.95% for banks in the $100M-1B asset tier, Peoples Bank reported 6.87% on net interest margin in Q2 2026, 2.92 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.67% |
| Yield on loans | 9.17% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.87% |
| Yield to cost spread | 6.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.2M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 9.24% | 1.64% | 7.64% | 10.02% | 2.65% |
| Q4 2023 | 9.66% | 2.12% | 7.65% | 10.48% | 3.09% |
| Q1 2024 | 9.19% | 2.30% | 6.99% | 9.87% | 3.15% |
| Q2 2024 | 9.73% | 2.45% | 7.37% | 10.90% | 3.31% |
| Q3 2024 | 9.71% | 2.28% | 7.52% | 10.58% | 3.37% |
| Q4 2024 | 9.36% | 2.14% | 7.32% | 10.15% | 3.65% |
| Q1 2025 | 9.01% | 2.14% | 6.95% | 9.64% | 3.52% |
| Q2 2025 | 8.87% | 2.01% | 6.93% | 9.41% | 3.58% |
| Q3 2025 | 8.89% | 2.00% | 6.97% | 9.53% | 3.64% |
| Q4 2025 | 9.35% | 1.98% | 7.46% | 9.96% | 3.65% |
| Q1 2026 | 8.36% | 1.95% | 6.48% | 8.91% | 3.57% |
| Q2 2026 | 8.67% | 1.80% | 6.87% | 9.17% | 3.78% |
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 9366) · FFIEC NIC profile (RSSD 70638)