Peoples Bank of the South: 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, Net interest margin rose 0.18 percentage points in Q2 2026 to 5.50%, the biggest move on this page. On net interest margin, Peoples Bank of the South ranks 3rd highest among the 109 banks headquartered in Tennessee, at 5.50% (Q2 2026). Peoples Bank of the South reported 5.50% on net interest margin for Q2 2026, 1.55 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.25% |
| Yield on loans | 7.98% |
| Yield on securities | 1.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.50% |
| Yield to cost spread | 4.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $983K |
| Interest expense on deposits | $852K |
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 | 5.96% | 1.49% | 4.60% | 6.73% | 1.03% |
| Q4 2023 | 6.20% | 1.80% | 4.63% | 6.97% | 1.00% |
| Q1 2024 | 6.49% | 1.94% | 4.72% | 7.32% | 1.03% |
| Q2 2024 | 6.66% | 2.12% | 4.74% | 7.52% | 1.02% |
| Q3 2024 | 7.18% | 2.11% | 5.19% | 8.10% | 1.16% |
| Q4 2024 | 7.11% | 2.19% | 5.12% | 7.96% | 1.14% |
| Q1 2025 | 7.20% | 2.21% | 5.20% | 8.31% | 1.09% |
| Q2 2025 | 7.21% | 2.18% | 5.26% | 8.14% | 1.09% |
| Q3 2025 | 7.51% | 2.05% | 5.68% | 8.34% | 1.17% |
| Q4 2025 | 7.48% | 1.95% | 5.74% | 8.27% | 1.14% |
| Q1 2026 | 7.06% | 1.93% | 5.32% | 7.86% | 1.17% |
| Q2 2026 | 7.25% | 1.96% | 5.50% | 7.98% | 1.18% |
Peoples Bank of the South 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 the South, 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 the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4945) · FFIEC NIC profile (RSSD 277736)