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.
Net interest margin climbed 0.66 percentage points in Q2 2026, from 4.87% to 5.53%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Peoples Bank & Trust ranks 3rd highest among the 323 banks headquartered in Illinois, at 5.53% (Q2 2026). Peoples Bank & Trust reported 5.53% on net interest margin for Q2 2026, 1.58 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.66% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.47% |
| Cost of interest-bearing liabilities | 1.58% |
| Cost of borrowings | 2.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.53% |
| Yield to cost spread | 5.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.3M |
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 | 6.15% | 1.62% | 4.64% |
| Q4 2023 | 6.46% | 1.87% | 4.75% |
| Q1 2024 | 6.26% | 2.00% | 4.40% |
| Q2 2024 | 6.11% | 1.87% | 4.39% |
| Q3 2024 | 6.31% | 1.82% | 4.60% |
| Q4 2024 | 6.41% | 1.55% | 4.96% |
| Q1 2025 | 6.19% | 1.48% | 4.80% |
| Q2 2025 | 6.36% | 1.45% | 5.02% |
| Q3 2025 | 6.10% | 1.52% | 4.66% |
| Q4 2025 | 6.29% | 1.39% | 4.95% |
| Q1 2026 | 6.01% | 1.20% | 4.87% |
| Q2 2026 | 6.66% | 1.20% | 5.53% |
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 17320) · FFIEC NIC profile (RSSD 922344)