Peoples Bank of East Tennessee: 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.
Compared with Q1 2026, Net interest margin rose 0.29 percentage points in Q2 2026 to 5.19%, the biggest move on this page. Among 109 Tennessee banks, Peoples Bank of East Tennessee sits 8th from the top on net interest margin, 5.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples Bank of East Tennessee sits 1.24 points higher, at 5.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.34% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.19% |
| Yield to cost spread | 4.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.27% | 0.49% | 4.81% |
| Q4 2023 | 5.58% | 0.74% | 4.89% |
| Q1 2024 | 5.65% | 1.02% | 4.69% |
| Q2 2024 | 6.01% | 1.31% | 4.78% |
| Q3 2024 | 6.21% | 1.39% | 4.90% |
| Q4 2024 | 6.13% | 1.48% | 4.76% |
| Q1 2025 | 6.06% | 1.45% | 4.69% |
| Q2 2025 | 6.25% | 1.52% | 4.82% |
| Q3 2025 | 6.33% | 1.52% | 4.91% |
| Q4 2025 | 6.34% | 1.38% | 5.06% |
| Q1 2026 | 6.11% | 1.29% | 4.90% |
| Q2 2026 | 6.34% | 1.22% | 5.19% |
Peoples Bank of East Tennessee 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 East Tennessee, 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 East Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34517) · FFIEC NIC profile (RSSD 2614344)