Peoples Bank of Wyaconda: 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, Cost of borrowings fell 0.55 percentage points in Q2 2026 to 3.88%, the biggest move on this page. Within Missouri, Peoples Bank of Wyaconda is 107th of 192 on net interest margin, 3.97% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Peoples Bank of Wyaconda reported 3.97% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.96% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $744K |
| Interest expense on deposits | $731K |
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 | 4.83% | 2.04% | 2.95% | 6.20% | 1.98% |
| Q4 2023 | 5.10% | 2.29% | 2.98% | 6.42% | 2.11% |
| Q1 2024 | 5.28% | 2.51% | 2.94% | 6.62% | 2.34% |
| Q2 2024 | 5.40% | 2.64% | 2.96% | 6.79% | 2.21% |
| Q3 2024 | 5.70% | 2.72% | 3.17% | 7.07% | 2.46% |
| Q4 2024 | 5.73% | 2.51% | 3.41% | 7.09% | 2.66% |
| Q1 2025 | 5.73% | 2.50% | 3.42% | 7.00% | 2.97% |
| Q2 2025 | 5.85% | 2.42% | 3.64% | 7.05% | 3.15% |
| Q3 2025 | 6.02% | 2.35% | 3.87% | 7.14% | 3.30% |
| Q4 2025 | 6.03% | 2.25% | 3.96% | 7.14% | 3.35% |
| Q1 2026 | 5.92% | 2.27% | 3.83% | 6.96% | 3.39% |
| Q2 2026 | 6.05% | 2.25% | 3.97% | 6.96% | 3.54% |
Peoples Bank of Wyaconda 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 Wyaconda, 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 Wyaconda profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15415) · FFIEC NIC profile (RSSD 223452)