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 0.24 percentage points to 3.76%. Within Indiana, The Peoples Bank is 40th of 87 on net interest margin, 3.76% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Peoples Bank sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | 5.88% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.76% |
| Cost of interest-bearing deposits | 0.88% |
| Cost of interest-bearing liabilities | 0.88% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $573K |
| Interest expense on deposits | $573K |
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 | 3.27% | 0.43% | 2.88% | 4.82% | 2.05% |
| Q4 2023 | 3.65% | 0.72% | 3.01% | 5.06% | 2.20% |
| Q1 2024 | 3.56% | 0.95% | 2.71% | 5.02% | 2.32% |
| Q2 2024 | 3.83% | 0.94% | 2.97% | 5.18% | 2.45% |
| Q3 2024 | 3.81% | 0.97% | 2.90% | 5.43% | 2.45% |
| Q4 2024 | 3.98% | 0.84% | 3.20% | 5.69% | 2.56% |
| Q1 2025 | 3.85% | 0.76% | 3.13% | 5.51% | 2.60% |
| Q2 2025 | 4.01% | 0.76% | 3.32% | 5.59% | 2.68% |
| Q3 2025 | 4.10% | 0.79% | 3.35% | 5.75% | 2.74% |
| Q4 2025 | 4.24% | 0.78% | 3.52% | 5.88% | 2.80% |
| Q1 2026 | 4.20% | 0.74% | 3.52% | 5.77% | 2.85% |
| Q2 2026 | 4.47% | 0.76% | 3.76% | 5.88% | 3.12% |
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 5779) · FFIEC NIC profile (RSSD 7045)