Peoples Exchange 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 standout move of Q2 2026 was in Yield to cost spread: 1.08 percentage points higher than in Q1 2026, at 3.14%. Peoples Exchange Bank ranks 35th of 93 Alabama banks on net interest margin, in the upper half at 4.08% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Peoples Exchange Bank sits 0.19 points higher, at 4.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 7.50% |
| Yield on securities | 2.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $369K |
| Interest expense on deposits | $369K |
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 | 5.10% | 1.45% | 3.77% | 6.93% | 2.16% |
| Q4 2023 | 5.24% | 1.92% | 3.48% | 6.99% | 2.24% |
| Q1 2024 | 5.37% | 1.99% | 3.52% | 7.14% | 2.22% |
| Q2 2024 | 5.47% | 2.11% | 3.51% | 7.05% | 2.24% |
| Q3 2024 | 5.57% | 2.23% | 3.51% | 7.27% | 2.26% |
| Q4 2024 | 5.84% | 2.01% | 4.00% | 7.80% | 2.31% |
| Q1 2025 | 5.53% | 1.84% | 3.84% | 7.40% | 2.38% |
| Q2 2025 | 5.51% | 1.82% | 3.86% | 7.35% | 2.38% |
| Q3 2025 | 5.79% | 1.86% | 4.11% | 7.67% | 2.42% |
| Q4 2025 | 6.66% | 1.68% | 4.79% | 7.93% | 4.99% |
| Q1 2026 | 5.29% | 1.77% | 3.71% | 6.98% | 2.62% |
| Q2 2026 | 5.63% | 1.95% | 4.08% | 7.50% | 2.65% |
Peoples Exchange 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 Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 70) · FFIEC NIC profile (RSSD 42037)