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 rose 0.21 percentage points from Q1 2026 to Q2 2026, ending at 4.06% against 3.85%. It was the largest change among the key lines on this page. Within Georgia, Peoples Bank is 88th of 121 on net interest margin, 4.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Peoples Bank reported 4.06% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 6.71% |
| Yield on securities | 3.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $723K |
| Interest expense on deposits | $723K |
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 | 6.20% | 1.19% | 5.08% | 7.30% | 2.60% |
| Q4 2023 | 6.37% | 1.48% | 5.04% | 7.16% | 2.49% |
| Q1 2024 | 5.85% | 1.74% | 4.27% | 6.83% | 2.63% |
| Q2 2024 | 6.12% | 1.95% | 4.38% | 6.82% | 3.56% |
| Q3 2024 | 5.99% | 2.17% | 4.03% | 6.91% | 3.93% |
| Q4 2024 | 5.95% | 2.11% | 4.05% | 6.94% | 3.95% |
| Q1 2025 | 5.94% | 1.95% | 4.16% | 7.50% | 3.89% |
| Q2 2025 | 5.93% | 1.95% | 4.18% | 7.08% | 4.06% |
| Q3 2025 | 5.19% | 1.92% | 3.45% | 6.21% | 4.23% |
| Q4 2025 | 5.84% | 1.85% | 4.20% | 7.18% | 4.12% |
| Q1 2026 | 5.40% | 1.72% | 3.85% | 6.76% | 3.94% |
| Q2 2026 | 5.60% | 1.71% | 4.06% | 6.71% | 3.86% |
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 15216) · FFIEC NIC profile (RSSD 715032)