Peoples National Bank of Kewanee: 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 1.9% between Q1 2026 and Q2 2026, to $2.2M. On net interest margin, Peoples National Bank of Kewanee is 25th from the bottom among 323 Illinois banks, 2.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples National Bank of Kewanee sits 1.11 points lower, at 2.84% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.34% |
| Yield on loans | 5.94% |
| Yield on securities | 3.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.88% |
| Cost of borrowings | 1.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.84% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.1M |
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 | 4.11% | 1.57% | 2.79% | 6.19% | 3.09% |
| Q4 2023 | 4.12% | 1.86% | 2.57% | 6.33% | 3.01% |
| Q1 2024 | 4.19% | 1.93% | 2.57% | 6.33% | 3.09% |
| Q2 2024 | 4.25% | 2.06% | 2.52% | 6.39% | 3.19% |
| Q3 2024 | 4.27% | 2.16% | 2.39% | 6.36% | 3.19% |
| Q4 2024 | 4.38% | 2.19% | 2.49% | 6.67% | 3.23% |
| Q1 2025 | 4.32% | 2.02% | 2.59% | 6.45% | 3.28% |
| Q2 2025 | 4.46% | 1.92% | 2.81% | 6.61% | 3.43% |
| Q3 2025 | 4.51% | 1.92% | 2.86% | 6.77% | 3.44% |
| Q4 2025 | 4.47% | 1.90% | 2.84% | 6.59% | 3.50% |
| Q1 2026 | 4.29% | 1.78% | 2.77% | 5.97% | 3.58% |
| Q2 2026 | 4.34% | 1.77% | 2.84% | 5.94% | 3.69% |
Peoples National Bank of Kewanee 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 of Kewanee, 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 of Kewanee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 926) · FFIEC NIC profile (RSSD 823133)