The 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.
Total interest expense rose 6.5% from Q1 2026 to Q2 2026, ending at $3.0M against $2.8M. It was the largest change among the key lines on this page. Within Ohio, The Peoples Bank Co. is 113th of 156 on net interest margin, 3.21% as of Q2 2026, below the middle of the field. The Peoples Bank Co. reported 3.21% on net interest margin for Q2 2026, 0.74 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.62% |
| Yield on loans | 6.30% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 4.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.1M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.7M |
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 | 3.69% | 1.22% | 2.57% | 5.31% | 1.85% |
| Q4 2023 | 3.81% | 1.40% | 2.51% | 5.51% | 1.85% |
| Q1 2024 | 3.95% | 1.65% | 2.40% | 5.65% | 1.89% |
| Q2 2024 | 4.14% | 1.68% | 2.58% | 5.82% | 2.13% |
| Q3 2024 | 4.35% | 1.70% | 2.73% | 5.99% | 2.50% |
| Q4 2024 | 4.36% | 1.61% | 2.88% | 6.07% | 2.43% |
| Q1 2025 | 4.36% | 1.53% | 2.95% | 6.06% | 2.30% |
| Q2 2025 | 4.45% | 1.51% | 3.06% | 6.19% | 2.19% |
| Q3 2025 | 4.55% | 1.60% | 3.08% | 6.30% | 2.36% |
| Q4 2025 | 4.60% | 1.58% | 3.16% | 6.41% | 2.49% |
| Q1 2026 | 4.54% | 1.49% | 3.19% | 6.22% | 2.57% |
| Q2 2026 | 4.62% | 1.56% | 3.21% | 6.30% | 2.59% |
The 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 The 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 The Peoples Bank Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13220) · FFIEC NIC profile (RSSD 702911)