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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.25 percentage points to 4.11%. Within Missouri, Peoples Bank is 87th of 191 on net interest margin, 4.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Peoples Bank sits 0.17 points higher, at 4.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 6.75% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $864K |
| Interest expense on deposits | $864K |
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 | 4.61% | 1.39% | 3.33% | 5.51% | 2.63% |
| Q4 2023 | 4.82% | 1.54% | 3.40% | 5.83% | 2.62% |
| Q1 2024 | 4.85% | 1.79% | 3.19% | 5.82% | 2.67% |
| Q2 2024 | 4.92% | 1.90% | 3.17% | 5.92% | 2.64% |
| Q3 2024 | 5.16% | 1.92% | 3.40% | 6.26% | 2.60% |
| Q4 2024 | 5.17% | 1.86% | 3.48% | 6.30% | 2.59% |
| Q1 2025 | 5.10% | 1.75% | 3.49% | 6.21% | 2.60% |
| Q2 2025 | 5.27% | 1.69% | 3.72% | 6.48% | 2.63% |
| Q3 2025 | 5.39% | 1.60% | 3.93% | 6.66% | 2.61% |
| Q4 2025 | 5.43% | 1.59% | 3.99% | 6.63% | 2.60% |
| Q1 2026 | 5.30% | 1.55% | 3.86% | 6.47% | 2.60% |
| Q2 2026 | 5.50% | 1.52% | 4.11% | 6.75% | 2.59% |
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 12230) · FFIEC NIC profile (RSSD 948250)