Peoples Bank & Trust Company: 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 standout move of Q2 2026 was in Net interest margin: 0.41 percentage points lower than in Q1 2026, at 4.19%. Peoples Bank & Trust Company ranks 89th of 169 Oklahoma banks on net interest margin, in the lower half at 4.19% (Q2 2026). Peoples Bank & Trust Company reported 4.19% on net interest margin for Q2 2026, 0.30 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.84% |
| Yield on loans | 7.30% |
| Yield on securities | 4.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.26% |
| Cost of interest-bearing liabilities | 3.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $721K |
| Total interest expense | $307K |
| Interest expense on deposits | $301K |
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 | 8.17% | 2.35% | 6.07% | 9.97% | 2.57% |
| Q4 2023 | 9.26% | 2.58% | 7.02% | 11.82% | 2.67% |
| Q1 2024 | 8.40% | 2.64% | 6.22% | 10.18% | 2.63% |
| Q2 2024 | 8.15% | 2.71% | 5.75% | 9.55% | 2.49% |
| Q3 2024 | 8.70% | 2.89% | 6.21% | 10.61% | 2.67% |
| Q4 2024 | 8.32% | 3.27% | 5.64% | 9.70% | 2.65% |
| Q1 2025 | 7.25% | 3.06% | 4.67% | 8.41% | 2.64% |
| Q2 2025 | 6.35% | 3.01% | 3.70% | 7.44% | 2.63% |
| Q3 2025 | 5.59% | -3.80% | 3.68% | 6.66% | 4.42% |
| Q4 2025 | 6.88% | 2.97% | 4.35% | 7.59% | 3.82% |
| Q1 2026 | 7.25% | 2.93% | 4.60% | 7.90% | 4.39% |
| Q2 2026 | 6.84% | 2.78% | 4.19% | 7.30% | 4.38% |
Peoples Bank & Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2331) · FFIEC NIC profile (RSSD 243955)