Peoples Community Bank: 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 1.4% between Q1 2026 and Q2 2026, to $3.0M. Peoples Community Bank ranks 31st of 192 Missouri banks on net interest margin, in the upper half at 4.75% (Q2 2026). Peoples Community Bank reported 4.75% on net interest margin for Q2 2026, 0.80 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.45% |
| Yield on loans | 7.53% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.75% |
| Yield to cost spread | 4.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.4M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $3.0M |
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 | 5.66% | 1.73% | 4.13% | 6.58% | 3.08% |
| Q4 2023 | 5.88% | 2.11% | 4.06% | 6.84% | 3.09% |
| Q1 2024 | 5.76% | 2.27% | 3.81% | 6.94% | 2.64% |
| Q2 2024 | 6.15% | 2.29% | 4.16% | 7.14% | 3.84% |
| Q3 2024 | 6.37% | 2.40% | 4.24% | 7.52% | 3.29% |
| Q4 2024 | 6.45% | 2.33% | 4.40% | 7.53% | 3.49% |
| Q1 2025 | 6.15% | 2.17% | 4.27% | 7.30% | 3.36% |
| Q2 2025 | 6.58% | 2.11% | 4.68% | 7.55% | 4.15% |
| Q3 2025 | 6.71% | 2.14% | 4.83% | 7.84% | 3.92% |
| Q4 2025 | 6.58% | 2.08% | 4.81% | 7.73% | 3.59% |
| Q1 2026 | 6.42% | 2.01% | 4.71% | 7.48% | 3.68% |
| Q2 2026 | 6.45% | 1.99% | 4.75% | 7.53% | 3.72% |
Peoples Community Bank 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 Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22394) · FFIEC NIC profile (RSSD 784159)