Peoples National Bank, N.A.: 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.
Compared with Q1 2026, Net interest margin rose 0.16 percentage points in Q2 2026 to 4.26%, the biggest move on this page. Peoples National Bank, N.A. ranks 68th of 323 Illinois banks on net interest margin, in the upper half at 4.26% (Q2 2026). Peoples National Bank, N.A. reported 4.26% on net interest margin for Q2 2026, 0.55 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 6.47% |
| Yield on securities | 2.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.1M |
| Total interest expense | $9.5M |
| Interest expense on deposits | $9.3M |
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 | 5.44% | 1.70% | 3.51% | 5.81% | 1.89% |
| Q4 2023 | 5.55% | 1.84% | 3.48% | 5.86% | 1.92% |
| Q1 2024 | 5.77% | 1.97% | 3.54% | 6.01% | 2.34% |
| Q2 2024 | 5.97% | 2.13% | 3.60% | 6.21% | 2.31% |
| Q3 2024 | 6.04% | 2.24% | 3.56% | 6.27% | 2.19% |
| Q4 2024 | 6.19% | 2.15% | 3.81% | 6.43% | 2.29% |
| Q1 2025 | 5.97% | 2.02% | 3.74% | 6.22% | 2.34% |
| Q2 2025 | 6.14% | 1.99% | 3.96% | 6.38% | 2.32% |
| Q3 2025 | 6.26% | 2.34% | 4.04% | 6.51% | 2.40% |
| Q4 2025 | 6.43% | 2.28% | 4.26% | 6.69% | 2.42% |
| Q1 2026 | 6.13% | 2.13% | 4.10% | 6.40% | 2.41% |
| Q2 2026 | 6.24% | 2.08% | 4.26% | 6.47% | 2.45% |
Peoples National Bank, N.A. 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 National Bank, N.A., 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 National Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3809) · FFIEC NIC profile (RSSD 375043)