Peoples Bank of Deer Lodge: 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 Net interest margin, which fell 0.26 percentage points to 4.65%. Within Montana, Peoples Bank of Deer Lodge is 8th of 35 on net interest margin, 4.65% as of Q2 2026, above the middle of the field. Peoples Bank of Deer Lodge reported 4.65% on net interest margin for Q2 2026, 0.77 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.80% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $632K |
| Total interest expense | $153K |
| Interest expense on deposits | $153K |
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 | 5.41% | 1.61% | 3.94% | 5.77% | 2.90% |
| Q4 2023 | 5.84% | 1.56% | 4.43% | 6.36% | 2.72% |
| Q1 2024 | 5.74% | 1.35% | 4.43% | 6.13% | 2.86% |
| Q2 2024 | 6.10% | 1.44% | 4.75% | 6.52% | 2.46% |
| Q3 2024 | 6.22% | 1.83% | 4.45% | 6.64% | 3.28% |
| Q4 2024 | 6.13% | 1.34% | 4.90% | 6.83% | 3.00% |
| Q1 2025 | 5.94% | 1.26% | 4.74% | 6.51% | 3.19% |
| Q2 2025 | 6.39% | 1.34% | 5.14% | 6.93% | 2.94% |
| Q3 2025 | 6.49% | 1.51% | 5.07% | 7.16% | 3.65% |
| Q4 2025 | 6.55% | 1.43% | 5.09% | 6.95% | 2.58% |
| Q1 2026 | 6.13% | 1.33% | 4.91% | 7.27% | 2.81% |
| Q2 2026 | 5.86% | 1.34% | 4.65% | 6.80% | 3.16% |
Peoples Bank of Deer Lodge 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 Deer Lodge, 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 Deer Lodge profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26941) · FFIEC NIC profile (RSSD 639857)