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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.37 percentage points to 4.04%. The Peoples Bank ranks 83rd of 182 Kansas banks on net interest margin, in the upper half at 4.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Peoples Bank reported 4.04% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 7.59% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 4.70% | 1.33% | 3.50% | 6.52% | 3.21% |
| Q4 2023 | 5.05% | 1.42% | 3.71% | 6.75% | 3.34% |
| Q1 2024 | 5.16% | 1.73% | 3.58% | 6.81% | 3.54% |
| Q2 2024 | 5.26% | 1.96% | 3.44% | 6.95% | 3.29% |
| Q3 2024 | 5.63% | 2.09% | 3.60% | 7.16% | 3.79% |
| Q4 2024 | 5.47% | 2.15% | 3.38% | 7.08% | 3.55% |
| Q1 2025 | 5.40% | 1.97% | 3.47% | 6.96% | 3.60% |
| Q2 2025 | 5.43% | 1.93% | 3.54% | 7.17% | 3.46% |
| Q3 2025 | 5.22% | 1.87% | 3.40% | 6.79% | 3.55% |
| Q4 2025 | 5.29% | 1.78% | 3.54% | 7.02% | 3.44% |
| Q1 2026 | 5.21% | 1.57% | 3.67% | 7.01% | 3.30% |
| Q2 2026 | 5.56% | 1.58% | 4.04% | 7.59% | 3.31% |
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 1147) · FFIEC NIC profile (RSSD 530655)