Peoples Bank of Macon: 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, Yield on loans edged down by 0.14 percentage points, from 5.46% to 5.32%, the largest move among the key lines here. Peoples Bank of Macon ranks 285th of 323 Illinois banks on net interest margin, in the lower half at 3.00% (Q2 2026). Peoples Bank of Macon reported 3.00% on net interest margin for Q2 2026, 0.89 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.91% |
| Yield on loans | 5.32% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.32% |
| Cost of interest-bearing liabilities | 1.32% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.00% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $84K |
| Total interest expense | $50K |
| Interest expense on deposits | $50K |
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 | 3.26% | 0.60% | 2.72% | 4.71% | 1.86% |
| Q4 2023 | 2.95% | 0.68% | 2.44% | 5.27% | 2.14% |
| Q1 2024 | 3.08% | 0.78% | 2.46% | 5.26% | 2.24% |
| Q2 2024 | 2.92% | 0.84% | 2.30% | 5.33% | 2.22% |
| Q3 2024 | 3.09% | 0.80% | 2.51% | 5.32% | 2.54% |
| Q4 2024 | 3.31% | 0.81% | 2.67% | 5.42% | 2.63% |
| Q1 2025 | 3.22% | 0.82% | 2.57% | 5.37% | 2.74% |
| Q2 2025 | 3.72% | 0.79% | 3.01% | 5.58% | 2.74% |
| Q3 2025 | 3.87% | 0.77% | 3.18% | 5.51% | 2.79% |
| Q4 2025 | 3.82% | 0.85% | 3.06% | 5.71% | 2.80% |
| Q1 2026 | 3.81% | 0.93% | 2.97% | 5.46% | 2.97% |
| Q2 2026 | 3.91% | 1.00% | 3.00% | 5.32% | 2.87% |
Peoples Bank of Macon 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 Macon, 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 Macon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19105) · FFIEC NIC profile (RSSD 418436)