Peoples Bank of Alabama: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 3.0% to $4.3M. Within Alabama, Peoples Bank of Alabama is 22nd of 93 on net interest margin, 4.53% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Peoples Bank of Alabama sits 0.82 points higher, at 4.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | 7.01% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.1M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $4.3M |
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 | 5.66% | 0.95% | 4.81% | 6.77% | 2.40% |
| Q4 2023 | 5.82% | 1.33% | 4.62% | 6.79% | 2.42% |
| Q1 2024 | 5.86% | 1.46% | 4.54% | 6.85% | 2.55% |
| Q2 2024 | 5.91% | 1.56% | 4.50% | 6.94% | 2.53% |
| Q3 2024 | 6.01% | 1.63% | 4.54% | 7.13% | 2.70% |
| Q4 2024 | 5.86% | 1.61% | 4.43% | 7.04% | 2.84% |
| Q1 2025 | 5.69% | 1.54% | 4.28% | 6.89% | 2.89% |
| Q2 2025 | 5.83% | 1.48% | 4.49% | 7.08% | 2.96% |
| Q3 2025 | 5.87% | 1.53% | 4.48% | 7.14% | 3.05% |
| Q4 2025 | 5.84% | 1.49% | 4.50% | 7.16% | 3.13% |
| Q1 2026 | 5.71% | 1.40% | 4.43% | 6.95% | 3.12% |
| Q2 2026 | 5.76% | 1.35% | 4.53% | 7.01% | 3.21% |
Peoples Bank of Alabama 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 of Alabama, 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 of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22537) · FFIEC NIC profile (RSSD 60330)