Peoples Bank Co.: 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 down by 0.08 percentage points, from 3.54% to 3.46%, the largest move among the key lines here. Peoples Bank Co. ranks 161st of 192 Missouri banks on net interest margin, in the lower half at 3.46% (Q2 2026). Peoples Bank Co. reported 3.46% on net interest margin for Q2 2026, 0.49 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.54% |
| Yield on securities | 4.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.74% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.19% |
| Cost of borrowings | 4.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $843K |
| Interest expense on deposits | $720K |
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 | 4.83% | 0.55% | 4.32% | 5.32% | 3.21% |
| Q4 2023 | 5.10% | 1.37% | 3.97% | 5.63% | 3.90% |
| Q1 2024 | 5.17% | 1.91% | 3.64% | 5.66% | 4.02% |
| Q2 2024 | 5.32% | 2.13% | 3.62% | 5.83% | 4.04% |
| Q3 2024 | 5.57% | 2.36% | 3.65% | 6.04% | 3.88% |
| Q4 2024 | 5.77% | 2.27% | 3.90% | 6.28% | 3.96% |
| Q1 2025 | 5.85% | 2.40% | 3.91% | 6.41% | 3.89% |
| Q2 2025 | 5.86% | 2.53% | 3.83% | 6.54% | 3.98% |
| Q3 2025 | 6.04% | 2.91% | 3.68% | 6.62% | 4.74% |
| Q4 2025 | 6.17% | 3.07% | 3.78% | 6.64% | 5.09% |
| Q1 2026 | 5.94% | 2.70% | 3.54% | 6.42% | 4.89% |
| Q2 2026 | 5.90% | 2.74% | 3.46% | 6.54% | 4.92% |
Peoples Bank Co. 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 Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12226) · FFIEC NIC profile (RSSD 941541)