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 Cost of borrowings, which fell 0.60 percentage points to 3.63%. On net interest margin, The Peoples Bank is 2nd from the bottom among 57 Mississippi banks, 2.81% (Q2 2026). The Peoples Bank reported 2.81% on net interest margin for Q2 2026, 1.14 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.64% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 3.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.81% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 3.83% | 1.10% | 2.57% |
| Q4 2023 | 4.05% | 1.26% | 2.61% |
| Q1 2024 | 4.00% | 1.52% | 2.29% |
| Q2 2024 | 4.17% | 1.59% | 2.39% |
| Q3 2024 | 4.34% | 1.69% | 2.45% |
| Q4 2024 | 4.27% | 1.80% | 2.30% |
| Q1 2025 | 4.35% | 1.79% | 2.36% |
| Q2 2025 | 4.43% | 1.79% | 2.45% |
| Q3 2025 | 4.60% | 1.80% | 2.62% |
| Q4 2025 | 4.62% | 1.77% | 2.68% |
| Q1 2026 | 4.49% | 1.67% | 2.64% |
| Q2 2026 | 4.64% | 1.66% | 2.81% |
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 15871) · FFIEC NIC profile (RSSD 593249)