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 Net interest margin: 0.45 percentage points higher than in Q1 2026, at 4.41%. Within Tennessee, The Peoples Bank is 23rd of 109 on net interest margin, 4.41% as of Q2 2026, above the middle of the field. The Peoples Bank reported 4.41% on net interest margin for Q2 2026, 0.46 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.17% |
| Yield on loans | 7.76% |
| Yield on securities | 2.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 4.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $478K |
| Interest expense on deposits | $477K |
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 | 5.12% | 1.63% | 3.62% | 6.31% | 1.62% |
| Q4 2023 | 5.16% | 1.86% | 3.47% | 6.32% | 1.60% |
| Q1 2024 | 5.34% | 2.08% | 3.44% | 6.56% | 1.60% |
| Q2 2024 | 5.20% | 2.09% | 3.30% | 6.80% | 1.72% |
| Q3 2024 | 5.85% | 2.16% | 3.66% | 7.26% | 1.63% |
| Q4 2024 | 5.77% | 2.02% | 3.72% | 7.18% | 1.65% |
| Q1 2025 | 5.72% | 2.08% | 3.84% | 7.20% | 1.66% |
| Q2 2025 | 5.89% | 2.02% | 4.01% | 7.30% | 1.59% |
| Q3 2025 | 5.84% | 2.01% | 3.98% | 7.32% | 1.87% |
| Q4 2025 | 5.72% | 1.99% | 3.91% | 7.21% | 2.21% |
| Q1 2026 | 5.66% | 1.84% | 3.96% | 7.18% | 2.27% |
| Q2 2026 | 6.17% | 1.90% | 4.41% | 7.76% | 2.42% |
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 6110) · FFIEC NIC profile (RSSD 591357)