Peoples Bank and Trust Company: 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 Cost of borrowings: 0.82 percentage points higher than in Q1 2026, at 5.88%. Peoples Bank and Trust Company ranks 100th of 182 Kansas banks on net interest margin, in the lower half at 3.89% (Q2 2026). Peoples Bank and Trust Company reported 3.89% on net interest margin for Q2 2026, 0.18 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.83% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 5.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.3M |
| Total interest expense | $7.4M |
| Interest expense on deposits | $6.9M |
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 | 4.78% | 2.06% | 2.84% | 5.75% | 2.22% |
| Q4 2023 | 5.09% | 2.52% | 2.73% | 6.16% | 2.15% |
| Q1 2024 | 5.21% | 2.46% | 2.89% | 6.30% | 2.17% |
| Q2 2024 | 5.43% | 2.53% | 3.04% | 6.59% | 2.16% |
| Q3 2024 | 5.61% | 2.62% | 3.16% | 6.82% | 2.26% |
| Q4 2024 | 5.65% | 2.63% | 3.20% | 6.85% | 2.35% |
| Q1 2025 | 5.70% | 2.62% | 3.28% | 6.85% | 2.38% |
| Q2 2025 | 5.82% | 2.56% | 3.48% | 6.77% | 2.57% |
| Q3 2025 | 5.94% | 2.43% | 3.67% | 6.98% | 2.59% |
| Q4 2025 | 5.86% | 2.35% | 3.70% | 6.85% | 2.74% |
| Q1 2026 | 5.75% | 2.13% | 3.77% | 6.71% | 2.77% |
| Q2 2026 | 5.86% | 2.12% | 3.89% | 6.83% | 2.85% |
Peoples Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1365) · FFIEC NIC profile (RSSD 153353)