People's Bank and Trust Company of Pickett County: 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 4.85% to 4.93%, the largest move among the key lines here. Within Tennessee, People's Bank and Trust Company of Pickett County is 12th of 109 on net interest margin, 4.93% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. People's Bank and Trust Company of Pickett County sits 0.98 points higher, at 4.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.57% |
| Yield on loans | 8.89% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.99% |
| Cost of interest-bearing deposits | 3.32% |
| Cost of interest-bearing liabilities | 3.32% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 4.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| 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 | 7.32% | 2.60% | 5.02% | 8.35% | 1.82% |
| Q4 2023 | 7.43% | 3.12% | 4.67% | 8.59% | 1.84% |
| Q1 2024 | 7.66% | 3.41% | 4.60% | 8.89% | 1.91% |
| Q2 2024 | 7.73% | 3.46% | 4.64% | 8.98% | 2.24% |
| Q3 2024 | 8.04% | 3.51% | 4.92% | 9.31% | 2.25% |
| Q4 2024 | 8.09% | 3.51% | 4.98% | 9.46% | 2.14% |
| Q1 2025 | 7.71% | 3.33% | 4.73% | 9.14% | 2.14% |
| Q2 2025 | 7.88% | 3.27% | 4.96% | 9.37% | 2.27% |
| Q3 2025 | 7.87% | 3.25% | 4.98% | 9.36% | 2.37% |
| Q4 2025 | 7.68% | 3.19% | 4.85% | 9.13% | 2.39% |
| Q1 2026 | 7.53% | 3.01% | 4.85% | 8.93% | 2.52% |
| Q2 2026 | 7.57% | 2.99% | 4.93% | 8.89% | 2.57% |
People's Bank and Trust Company of Pickett County yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock People's Bank and Trust Company of Pickett County, 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 People's Bank and Trust Company of Pickett County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22756) · FFIEC NIC profile (RSSD 942539)