Peoples Bank & Trust: 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 0.28 percentage points to 4.07%. Peoples Bank & Trust ranks 86th of 121 Georgia banks on net interest margin, in the lower half at 4.07% (Q2 2026). Peoples Bank & Trust reported 4.07% on net interest margin for Q2 2026, 0.12 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 7.54% |
| Yield on securities | 2.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 4.69% | 1.30% | 3.16% | 7.71% | 2.35% |
| Q4 2023 | 4.66% | 1.37% | 3.09% | 7.55% | 2.43% |
| Q1 2024 | 4.82% | 1.24% | 3.40% | 7.87% | 2.32% |
| Q2 2024 | 4.94% | 1.33% | 3.41% | 7.94% | 2.31% |
| Q3 2024 | 5.27% | 1.37% | 3.68% | 8.22% | 2.26% |
| Q4 2024 | 5.40% | 1.40% | 3.78% | 8.20% | 2.17% |
| Q1 2025 | 5.07% | 1.27% | 3.61% | 7.58% | 2.13% |
| Q2 2025 | 5.19% | 1.26% | 3.73% | 7.67% | 2.32% |
| Q3 2025 | 5.18% | 1.35% | 3.61% | 7.71% | 2.44% |
| Q4 2025 | 5.23% | 1.30% | 3.73% | 7.57% | 2.49% |
| Q1 2026 | 5.16% | 1.21% | 3.79% | 7.34% | 2.59% |
| Q2 2026 | 5.43% | 1.20% | 4.07% | 7.54% | 2.65% |
Peoples Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust, 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 Peoples Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25795) · FFIEC NIC profile (RSSD 109136)