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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.29 percentage points to 5.10%. On net interest margin, Peoples Bank & Trust Company ranks 9th highest among the 109 banks headquartered in Tennessee, at 5.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples Bank & Trust Company sits 1.15 points higher, at 5.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 7.29% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.10% |
| Yield to cost spread | 4.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $466K |
| Interest expense on deposits | $466K |
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 | 5.52% | 0.68% | 4.91% | 6.45% | 2.96% |
| Q4 2023 | 5.76% | 0.95% | 4.90% | 6.70% | 2.95% |
| Q1 2024 | 5.82% | 1.27% | 4.67% | 6.83% | 3.15% |
| Q2 2024 | 5.96% | 1.43% | 4.64% | 7.01% | 3.03% |
| Q3 2024 | 6.03% | 1.49% | 4.69% | 7.20% | 3.06% |
| Q4 2024 | 6.09% | 1.46% | 4.79% | 7.21% | 2.94% |
| Q1 2025 | 6.00% | 1.35% | 4.79% | 7.19% | 3.22% |
| Q2 2025 | 6.17% | 1.30% | 4.99% | 7.22% | 3.37% |
| Q3 2025 | 6.21% | 1.33% | 5.02% | 7.37% | 3.43% |
| Q4 2025 | 6.21% | 1.35% | 5.03% | 7.33% | 3.36% |
| Q1 2026 | 5.95% | 1.28% | 4.81% | 7.06% | 3.35% |
| Q2 2026 | 6.24% | 1.30% | 5.10% | 7.29% | 3.42% |
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 1475) · FFIEC NIC profile (RSSD 28732)