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.
The standout move of Q2 2026 was in Cost of borrowings: 1.76 percentage points lower than in Q1 2026, at 2.34%. Within Kentucky, The Peoples Bank is 46th of 119 on net interest margin, 4.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Peoples Bank sits 0.16 points higher, at 4.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.47% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.50% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 2.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $746K |
| Interest expense on deposits | $745K |
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 |
|---|---|---|---|
| Q3 2023 | 6.32% | 2.59% | 3.86% |
| Q4 2023 | 6.52% | 2.63% | 4.07% |
| Q1 2024 | 6.64% | 2.65% | 4.13% |
| Q2 2024 | 6.73% | 2.84% | 4.02% |
| Q3 2024 | 6.81% | 3.02% | 3.93% |
| Q4 2024 | 6.58% | 2.96% | 3.82% |
| Q1 2025 | 6.66% | 2.77% | 3.99% |
| Q2 2025 | 6.57% | 2.77% | 3.95% |
| Q3 2025 | 6.39% | 2.70% | 3.90% |
| Q4 2025 | 6.46% | 2.56% | 4.05% |
| Q1 2026 | 6.31% | 2.49% | 3.96% |
| Q2 2026 | 6.47% | 2.50% | 4.11% |
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 16603) · FFIEC NIC profile (RSSD 446149)