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.
In Q2 2026, Net interest margin edged up by 0.07 percentage points, from 4.88% to 4.95%, the largest move among the key lines here. The Peoples Bank ranks 31st of 121 Georgia banks on net interest margin, in the upper half at 4.95% (Q2 2026). The Peoples Bank reported 4.95% on net interest margin for Q2 2026, 1.00 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.34% |
| Yield on loans | 7.07% |
| Yield on securities | 3.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.95% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $908K |
| Interest expense on deposits | $906K |
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 | 5.67% | 0.59% | 5.11% | 6.37% | 2.51% |
| Q4 2023 | 6.01% | 0.90% | 5.16% | 6.64% | 2.80% |
| Q1 2024 | 6.00% | 1.09% | 5.00% | 6.74% | 2.81% |
| Q2 2024 | 6.19% | 1.31% | 5.01% | 6.90% | 3.17% |
| Q3 2024 | 6.46% | 1.63% | 4.96% | 7.18% | 3.32% |
| Q4 2024 | 6.45% | 1.65% | 4.97% | 7.20% | 3.43% |
| Q1 2025 | 6.26% | 1.52% | 4.90% | 7.09% | 3.66% |
| Q2 2025 | 6.54% | 1.51% | 5.16% | 7.37% | 3.72% |
| Q3 2025 | 6.51% | 1.61% | 5.04% | 7.48% | 3.77% |
| Q4 2025 | 6.46% | 1.56% | 5.07% | 7.32% | 3.67% |
| Q1 2026 | 6.25% | 1.52% | 4.88% | 7.07% | 3.57% |
| Q2 2026 | 6.34% | 1.54% | 4.95% | 7.07% | 3.53% |
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 16152) · FFIEC NIC profile (RSSD 611031)