The Peoples Savings and Loan Company: 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.
In Q2 2026, Yield on loans edged down by 0.10 percentage points, from 5.37% to 5.27%, the largest move among the key lines here. Within Ohio, The Peoples Savings and Loan Company is 136th of 156 on net interest margin, 2.82% 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 Savings and Loan Company sits 1.13 points lower, at 2.82% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.23% |
| Yield on loans | 5.27% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.79% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.82% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $959K |
| Total interest expense | $528K |
| Interest expense on deposits | $528K |
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% | 0.99% | 2.89% | 4.31% | 3.15% |
| Q4 2023 | 3.88% | 1.37% | 2.69% | 4.44% | 3.16% |
| Q1 2024 | 3.90% | 1.41% | 2.68% | 4.55% | 3.15% |
| Q2 2024 | 4.05% | 1.42% | 2.79% | 4.64% | 3.19% |
| Q3 2024 | 3.98% | 1.75% | 2.44% | 4.80% | 3.13% |
| Q4 2024 | 4.07% | 1.97% | 2.38% | 4.85% | 3.06% |
| Q1 2025 | 3.93% | 1.79% | 2.40% | 4.87% | 2.93% |
| Q2 2025 | 4.09% | 1.76% | 2.58% | 4.93% | 3.03% |
| Q3 2025 | 4.07% | 1.77% | 2.56% | 5.03% | 3.06% |
| Q4 2025 | 4.28% | 1.81% | 2.75% | 5.17% | 3.28% |
| Q1 2026 | 4.18% | 1.65% | 2.78% | 5.37% | 3.04% |
| Q2 2026 | 4.23% | 1.66% | 2.82% | 5.27% | 3.06% |
The Peoples Savings and Loan Company 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 Savings and Loan Company, 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 Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29813) · FFIEC NIC profile (RSSD 605571)