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.
Compared with Q1 2026, Net interest margin rose 0.31 percentage points in Q2 2026 to 3.16%, the biggest move on this page. On net interest margin, The Peoples Bank is 8th from the bottom among 121 Georgia banks, 3.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Peoples Bank sits 0.79 points lower, at 3.16% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.49% |
| Yield on loans | 7.02% |
| Yield on securities | 2.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $654K |
| Total interest expense | $355K |
| Interest expense on deposits | $355K |
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 | 4.11% | 0.87% | 3.30% | 6.57% | 2.43% |
| Q4 2023 | 4.16% | 0.95% | 3.29% | 6.62% | 2.46% |
| Q1 2024 | 4.12% | 1.17% | 3.03% | 6.65% | 2.41% |
| Q2 2024 | 4.65% | 1.65% | 3.14% | 6.84% | 2.41% |
| Q3 2024 | 4.60% | 1.86% | 2.91% | 7.08% | 2.06% |
| Q4 2024 | 4.61% | 1.76% | 3.01% | 7.05% | 2.01% |
| Q1 2025 | 4.29% | 1.58% | 2.84% | 7.00% | 2.31% |
| Q2 2025 | 4.61% | 1.52% | 3.20% | 7.08% | 2.19% |
| Q3 2025 | 4.53% | 1.57% | 3.09% | 7.23% | 2.27% |
| Q4 2025 | 4.53% | 1.61% | 3.06% | 7.12% | 2.24% |
| Q1 2026 | 4.21% | 1.50% | 2.85% | 7.05% | 2.14% |
| Q2 2026 | 4.49% | 1.46% | 3.16% | 7.02% | 2.25% |
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 17073) · FFIEC NIC profile (RSSD 575133)