Peoples First Savings 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.
Yield on securities fell 0.27 percentage points from Q1 2026 to Q2 2026, ending at 0.00% against 0.27%. It was the largest change among the key lines on this page. Within Ohio, Peoples First Savings Bank is 96th of 156 on net interest margin, 3.51% as of Q2 2026, below the middle of the field. Peoples First Savings Bank reported 3.51% on net interest margin for Q2 2026, 0.38 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.14% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.49% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 4.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $567K |
| Interest expense on deposits | $505K |
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 | 5.48% | 2.96% | 3.11% | 5.65% | 1.98% |
| Q4 2023 | 5.70% | 3.24% | 3.13% | 5.83% | 1.98% |
| Q1 2024 | 5.66% | 3.41% | 2.93% | 5.81% | 1.98% |
| Q2 2024 | 5.74% | 3.43% | 3.00% | 5.92% | 0.00% |
| Q3 2024 | 5.95% | 3.52% | 3.11% | 6.15% | 1.99% |
| Q4 2024 | 5.85% | 3.40% | 3.08% | 6.07% | 0.00% |
| Q1 2025 | 5.86% | 2.77% | 3.27% | 6.12% | 2.00% |
| Q2 2025 | 5.84% | 2.62% | 3.41% | 6.09% | 0.00% |
| Q3 2025 | 6.02% | 2.70% | 3.52% | 6.28% | 0.89% |
| Q4 2025 | 5.91% | 2.67% | 3.47% | 6.27% | 0.00% |
| Q1 2026 | 5.83% | 2.55% | 3.49% | 6.16% | 0.27% |
| Q2 2026 | 5.81% | 2.49% | 3.51% | 6.14% | 0.00% |
Peoples First Savings 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 First Savings 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 First Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30688) · FFIEC NIC profile (RSSD 363778)