The 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.
Total interest expense dropped 7.7% in Q2 2026, from $1.5M to $1.4M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, The Peoples Community Bank is 84th of 153 on net interest margin, 3.75% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Peoples Community Bank sits 0.20 points lower, at 3.75% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | 6.76% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.11% |
| Cost of borrowings | 2.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 4.22% | 1.17% | 3.15% | 5.73% | 1.83% |
| Q4 2023 | 4.49% | 1.49% | 3.13% | 6.04% | 1.84% |
| Q1 2024 | 4.59% | 1.84% | 2.94% | 6.17% | 1.83% |
| Q2 2024 | 4.67% | 1.95% | 2.94% | 6.28% | 1.83% |
| Q3 2024 | 4.78% | 1.93% | 3.03% | 6.43% | 1.81% |
| Q4 2024 | 4.84% | 1.88% | 3.15% | 6.48% | 1.92% |
| Q1 2025 | 4.81% | 1.85% | 3.13% | 6.42% | 2.01% |
| Q2 2025 | 4.96% | 1.68% | 3.37% | 6.59% | 1.99% |
| Q3 2025 | 5.04% | 1.66% | 3.46% | 6.66% | 2.02% |
| Q4 2025 | 5.07% | 1.59% | 3.56% | 6.64% | 2.15% |
| Q1 2026 | 4.93% | 1.57% | 3.44% | 6.48% | 2.35% |
| Q2 2026 | 5.18% | 1.48% | 3.75% | 6.76% | 2.39% |
The 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 The 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 The Peoples Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15046) · FFIEC NIC profile (RSSD 420644)