The Peoples National Bank of Checotah: 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 rose 0.17 percentage points to 3.51%. Within Oklahoma, The Peoples National Bank of Checotah is 143rd of 169 on net interest margin, 3.51% 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 National Bank of Checotah sits 0.44 points lower, at 3.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | 7.48% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $861K |
| Total interest expense | $545K |
| Interest expense on deposits | $545K |
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 | 3.76% | 1.23% | 2.69% | 7.15% | 1.78% |
| Q4 2023 | 3.90% | 1.40% | 2.68% | 7.27% | 1.91% |
| Q1 2024 | 4.07% | 1.59% | 2.68% | 7.46% | 2.11% |
| Q2 2024 | 4.11% | 1.68% | 2.65% | 7.39% | 2.31% |
| Q3 2024 | 4.36% | 1.87% | 2.74% | 7.56% | 2.61% |
| Q4 2024 | 4.42% | 1.76% | 2.90% | 7.70% | 2.70% |
| Q1 2025 | 4.48% | 1.66% | 3.04% | 7.52% | 2.91% |
| Q2 2025 | 4.59% | 1.65% | 3.15% | 7.53% | 3.12% |
| Q3 2025 | 4.74% | 1.67% | 3.31% | 7.72% | 3.35% |
| Q4 2025 | 4.76% | 1.65% | 3.35% | 7.63% | 3.46% |
| Q1 2026 | 4.72% | 1.57% | 3.34% | 7.38% | 3.54% |
| Q2 2026 | 4.84% | 1.55% | 3.51% | 7.48% | 3.74% |
The Peoples National Bank of Checotah 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 National Bank of Checotah, 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 National Bank of Checotah profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4059) · FFIEC NIC profile (RSSD 942454)