The Peoples Bank: 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 up by 0.19 percentage points, from 6.69% to 6.88%, the largest move among the key lines here. Within Ohio, The Peoples Bank is 47th of 156 on net interest margin, 4.06% as of Q2 2026, above the middle of the field. The Peoples Bank reported 4.06% on net interest margin for Q2 2026, 0.17 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.78% |
| Yield on loans | 6.88% |
| Yield on securities | 2.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.79% |
| Cost of interest-bearing deposits | 1.34% |
| Cost of interest-bearing liabilities | 1.34% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $510K |
| Total interest expense | $107K |
| Interest expense on deposits | $107K |
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 | 4.03% | 0.87% | 3.22% | 5.68% | 1.57% |
| Q4 2023 | 4.18% | 0.92% | 3.32% | 5.99% | 1.57% |
| Q1 2024 | 4.22% | 1.01% | 3.28% | 5.98% | 1.64% |
| Q2 2024 | 4.32% | 1.08% | 3.31% | 6.14% | 1.63% |
| Q3 2024 | 4.51% | 1.10% | 3.48% | 6.37% | 1.69% |
| Q4 2024 | 4.79% | 1.10% | 3.77% | 6.50% | 1.69% |
| Q1 2025 | 4.49% | 1.02% | 3.54% | 6.33% | 1.63% |
| Q2 2025 | 5.08% | 1.02% | 4.06% | 6.76% | 1.69% |
| Q3 2025 | 4.90% | 0.94% | 3.97% | 6.55% | 1.70% |
| Q4 2025 | 4.78% | 0.97% | 3.91% | 6.73% | 1.86% |
| Q1 2026 | 4.85% | 0.92% | 3.97% | 6.69% | 1.94% |
| Q2 2026 | 4.78% | 0.79% | 4.06% | 6.88% | 2.04% |
The Peoples Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, 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 The Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 389) · FFIEC NIC profile (RSSD 378110)