Peoples Bank of Greensboro: 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.13 percentage points between Q1 2026 and Q2 2026, to 1.96%. Peoples Bank of Greensboro has the 8th lowest net interest margin of the 93 banks headquartered in Alabama, at 2.98% as of Q2 2026. Peoples Bank of Greensboro reported 2.98% on net interest margin for Q2 2026, 0.97 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.51% |
| Yield on loans | 7.35% |
| Yield on securities | 1.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $923K |
| Total interest expense | $429K |
| Interest expense on deposits | $429K |
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 | 4.06% | 1.18% | 2.95% | 6.97% | 1.71% |
| Q4 2023 | 4.15% | 1.54% | 2.68% | 7.08% | 1.71% |
| Q1 2024 | 4.17% | 1.58% | 2.61% | 7.21% | 1.67% |
| Q2 2024 | 4.34% | 1.68% | 2.74% | 7.42% | 1.72% |
| Q3 2024 | 4.43% | 1.73% | 2.79% | 7.49% | 1.74% |
| Q4 2024 | 4.54% | 1.63% | 2.99% | 7.60% | 1.71% |
| Q1 2025 | 4.43% | 1.57% | 2.91% | 7.40% | 1.67% |
| Q2 2025 | 4.53% | 1.62% | 2.96% | 7.50% | 1.68% |
| Q3 2025 | 4.61% | 1.66% | 2.99% | 7.53% | 1.69% |
| Q4 2025 | 4.69% | 1.62% | 3.14% | 7.52% | 1.73% |
| Q1 2026 | 4.50% | 1.51% | 3.01% | 7.37% | 1.83% |
| Q2 2026 | 4.51% | 1.60% | 2.98% | 7.35% | 1.96% |
Peoples Bank of Greensboro 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 Greensboro, 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 Greensboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1730) · FFIEC NIC profile (RSSD 320034)