Peoples Bank of Graceville: 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 2.39% to 2.49%, the largest move among the key lines here. On net interest margin, Peoples Bank of Graceville is 2nd from the bottom among 79 Florida banks, 2.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples Bank of Graceville sits 1.46 points lower, at 2.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.15% |
| Yield on loans | 6.59% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.49% |
| Yield to cost spread | 1.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $672K |
| Total interest expense | $492K |
| Interest expense on deposits | $492K |
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 | 3.78% | 1.49% | 2.33% | 5.57% | 2.72% |
| Q4 2023 | 3.85% | 1.83% | 2.07% | 5.66% | 2.86% |
| Q1 2024 | 3.94% | 1.87% | 2.13% | 5.85% | 2.84% |
| Q2 2024 | 4.11% | 1.99% | 2.18% | 6.14% | 2.83% |
| Q3 2024 | 4.09% | 2.03% | 2.13% | 6.19% | 2.82% |
| Q4 2024 | 4.08% | 1.95% | 2.23% | 6.27% | 2.84% |
| Q1 2025 | 4.06% | 1.93% | 2.21% | 6.16% | 2.86% |
| Q2 2025 | 4.12% | 1.95% | 2.27% | 6.28% | 2.86% |
| Q3 2025 | 4.21% | 1.96% | 2.36% | 6.53% | 2.87% |
| Q4 2025 | 4.27% | 1.85% | 2.52% | 6.51% | 2.96% |
| Q1 2026 | 4.06% | 1.82% | 2.39% | 6.53% | 2.76% |
| Q2 2026 | 4.15% | 1.84% | 2.49% | 6.59% | 2.80% |
Peoples Bank of Graceville 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 Graceville, 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 Graceville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21692) · FFIEC NIC profile (RSSD 717232)