Peoples Community Bank SB of Monticello, Indiana: 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 fell 0.22 percentage points to 3.95%. Peoples Community Bank SB of Monticello, Indiana ranks 30th of 87 Indiana banks on net interest margin, in the upper half at 3.95% (Q2 2026). At 3.95%, Peoples Community Bank SB of Monticello, Indiana's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.03% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.02% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $605K |
| Total interest expense | $201K |
| Interest expense on deposits | $106K |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.74% | 2.34% | 4.60% | 5.75% |
| Q4 2023 | 5.42% | 3.44% | 3.92% | 5.36% |
| Q1 2024 | 5.52% | 3.52% | 3.89% | 5.48% |
| Q2 2024 | 5.55% | 4.07% | 3.68% | 5.52% |
| Q3 2024 | 5.64% | 2.48% | 4.54% | 5.71% |
| Q4 2024 | 6.02% | 7.49% | 3.05% | 5.97% |
| Q1 2025 | 5.77% | 4.38% | 3.70% | 5.86% |
| Q2 2025 | 5.58% | 4.39% | 3.48% | 5.68% |
| Q3 2025 | 6.06% | 4.45% | 3.98% | 6.02% |
| Q4 2025 | 5.74% | 3.82% | 3.76% | 5.90% |
| Q1 2026 | 6.13% | 3.84% | 4.17% | 6.40% |
| Q2 2026 | 5.86% | 4.02% | 3.95% | 6.03% |
Peoples Community Bank SB of Monticello, Indiana 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 SB of Monticello, Indiana, 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 SB of Monticello, Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30065) · FFIEC NIC profile (RSSD 654579)