The Peoples Bank of Georgia: 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 standout move of Q2 2026 was in Net interest margin: 0.40 percentage points higher than in Q1 2026, at 5.43%. On net interest margin, The Peoples Bank of Georgia ranks 9th highest among the 121 banks headquartered in Georgia, at 5.43% (Q2 2026). The Peoples Bank of Georgia reported 5.43% on net interest margin for Q2 2026, 1.48 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.46% |
| Yield on loans | 8.09% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.71% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.43% |
| Yield to cost spread | 4.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.56% | 1.74% | 4.89% | 7.22% | 1.42% |
| Q4 2023 | 6.81% | 1.94% | 4.97% | 7.45% | 1.49% |
| Q1 2024 | 6.86% | 2.07% | 4.86% | 7.48% | 1.63% |
| Q2 2024 | 7.01% | 2.17% | 4.95% | 7.73% | 1.62% |
| Q3 2024 | 7.25% | 2.39% | 4.96% | 7.91% | 1.73% |
| Q4 2024 | 7.23% | 2.45% | 4.92% | 7.99% | 1.85% |
| Q1 2025 | 7.22% | 2.35% | 4.99% | 8.01% | 1.87% |
| Q2 2025 | 7.49% | 2.29% | 5.29% | 8.27% | 1.96% |
| Q3 2025 | 7.44% | 2.33% | 5.20% | 8.16% | 2.18% |
| Q4 2025 | 7.39% | 2.28% | 5.21% | 8.15% | 2.30% |
| Q1 2026 | 7.08% | 2.17% | 5.03% | 7.86% | 2.40% |
| Q2 2026 | 7.46% | 2.15% | 5.43% | 8.09% | 2.49% |
The Peoples Bank of Georgia 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 of Georgia, 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 of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 170) · FFIEC NIC profile (RSSD 272030)