Peoples Bank Mt Washington: 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.
Cost of borrowings climbed 5.30 percentage points in Q2 2026, from 0.00% to 5.30%. It was the largest change from Q1 2026 among the key lines here. Among 119 Kentucky banks, Peoples Bank Mt Washington sits 6th from the top on net interest margin, 5.04% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples Bank Mt Washington sits 1.09 points higher, at 5.04% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.64% |
| Cost of interest-bearing deposits | 1.06% |
| Cost of interest-bearing liabilities | 1.08% |
| Cost of borrowings | 5.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.04% |
| Yield to cost spread | 4.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $177K |
| Interest expense on deposits | $175K |
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 |
|---|---|---|---|
| Q3 2023 | 4.71% | 0.33% | 4.40% |
| Q4 2023 | 4.90% | 0.40% | 4.53% |
| Q1 2024 | 5.02% | 0.60% | 4.46% |
| Q2 2024 | 5.27% | 0.75% | 4.57% |
| Q3 2024 | 5.34% | 0.82% | 4.57% |
| Q4 2024 | 5.38% | 0.80% | 4.64% |
| Q1 2025 | 5.31% | 0.73% | 4.63% |
| Q2 2025 | 5.31% | 0.72% | 4.63% |
| Q3 2025 | 5.78% | 0.73% | 5.10% |
| Q4 2025 | 5.65% | 0.70% | 5.01% |
| Q1 2026 | 5.46% | 0.64% | 4.87% |
| Q2 2026 | 5.63% | 0.64% | 5.04% |
Peoples Bank Mt Washington 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 Mt Washington, 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 Mt Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5847) · FFIEC NIC profile (RSSD 271341)