Peoples Bank & Trust Co.: 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 0.09 percentage points, from 3.40% to 3.49%, the largest move among the key lines here. Within Missouri, Peoples Bank & Trust Co. is 158th of 192 on net interest margin, 3.49% as of Q2 2026, below the middle of the field. Peoples Bank & Trust Co. reported 3.49% on net interest margin for Q2 2026, 0.46 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 6.25% |
| Yield on securities | 3.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 4.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.49% |
| Yield to cost spread | 2.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.6M |
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 | 4.91% | 1.71% | 3.35% | 5.59% | 4.03% |
| Q4 2023 | 5.00% | 2.06% | 3.14% | 5.76% | 4.08% |
| Q1 2024 | 5.16% | 2.36% | 3.05% | 6.01% | 4.04% |
| Q2 2024 | 5.29% | 2.42% | 3.12% | 6.18% | 4.04% |
| Q3 2024 | 5.40% | 2.48% | 3.18% | 6.38% | 4.02% |
| Q4 2024 | 5.36% | 2.52% | 3.13% | 6.43% | 3.90% |
| Q1 2025 | 5.25% | 2.41% | 3.12% | 6.31% | 3.83% |
| Q2 2025 | 5.39% | 2.38% | 3.33% | 6.45% | 3.81% |
| Q3 2025 | 5.42% | 2.37% | 3.39% | 6.53% | 3.90% |
| Q4 2025 | 5.38% | 2.22% | 3.49% | 6.46% | 3.86% |
| Q1 2026 | 5.17% | 2.06% | 3.40% | 6.23% | 3.79% |
| Q2 2026 | 5.24% | 1.90% | 3.49% | 6.25% | 3.87% |
Peoples Bank & Trust Co. 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 Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8903) · FFIEC NIC profile (RSSD 909055)