Peoples Bank of Kankakee County: 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, Total interest expense fell 6.2% in Q2 2026 to $1.1M, the biggest move on this page. Peoples Bank of Kankakee County ranks 218th of 323 Illinois banks on net interest margin, in the lower half at 3.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples Bank of Kankakee County sits 0.54 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.79% |
| Yield on loans | 5.94% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.42% |
| Cost of borrowings | 2.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.0M |
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 | 3.66% | 1.28% | 2.33% | 5.37% | 1.82% |
| Q4 2023 | 3.92% | 1.48% | 2.38% | 5.61% | 1.92% |
| Q1 2024 | 3.85% | 1.63% | 2.16% | 5.69% | 1.78% |
| Q2 2024 | 3.99% | 1.79% | 2.12% | 5.64% | 1.75% |
| Q3 2024 | 4.23% | 1.89% | 2.22% | 6.06% | 2.01% |
| Q4 2024 | 4.24% | 1.87% | 2.25% | 6.02% | 1.90% |
| Q1 2025 | 4.10% | 1.74% | 2.25% | 5.78% | 2.01% |
| Q2 2025 | 4.47% | 1.69% | 2.68% | 5.96% | 2.40% |
| Q3 2025 | 4.67% | 1.68% | 2.89% | 6.15% | 2.81% |
| Q4 2025 | 4.80% | 1.61% | 3.08% | 6.12% | 3.21% |
| Q1 2026 | 4.66% | 1.44% | 3.11% | 5.98% | 3.19% |
| Q2 2026 | 4.79% | 1.30% | 3.41% | 5.94% | 3.56% |
Peoples Bank of Kankakee County 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 Kankakee County, 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 Kankakee County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18566) · FFIEC NIC profile (RSSD 821036)