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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.07 percentage points between Q1 2026 and Q2 2026, to 5.53%. Among 78 Arkansas banks, The Peoples Bank sits 2nd from the top on net interest margin, 5.53% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Peoples Bank sits 1.58 points higher, at 5.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.02% |
| Yield on loans | 7.57% |
| Yield on securities | 4.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 2.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.53% |
| Yield to cost spread | 5.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $682K |
| Interest expense on deposits | $473K |
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 | 6.80% | 1.92% | 4.99% | 7.13% | 4.64% |
| Q4 2023 | 6.93% | 1.97% | 5.08% | 7.28% | 4.84% |
| Q1 2024 | 6.77% | 1.97% | 4.92% | 7.08% | 5.03% |
| Q2 2024 | 6.94% | 2.03% | 5.05% | 7.31% | 4.97% |
| Q3 2024 | 6.97% | 2.09% | 5.03% | 7.40% | 4.94% |
| Q4 2024 | 6.98% | 2.04% | 5.09% | 7.43% | 4.88% |
| Q1 2025 | 6.86% | 1.87% | 5.12% | 7.38% | 4.84% |
| Q2 2025 | 7.07% | 1.79% | 5.41% | 7.52% | 4.86% |
| Q3 2025 | 7.27% | 1.80% | 5.61% | 7.72% | 4.85% |
| Q4 2025 | 7.17% | 1.77% | 5.55% | 7.62% | 4.92% |
| Q1 2026 | 6.96% | 1.63% | 5.46% | 7.45% | 4.92% |
| Q2 2026 | 7.02% | 1.63% | 5.53% | 7.57% | 4.98% |
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 12531) · FFIEC NIC profile (RSSD 712648)