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.
Yield on securities climbed 3.19 percentage points in Q2 2026, from 8.81% to 12.00%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Peoples Savings and Loan Company is 125th of 156 on net interest margin, 3.04% as of Q2 2026, below the middle of the field. The Peoples Savings and Loan Company reported 3.04% on net interest margin for Q2 2026, 0.91 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 5.27% |
| Yield on securities | 12.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | 3.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.04% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $558K |
| Interest expense on deposits | $378K |
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 | 4.28% | 2.81% | 2.33% | 4.25% | -2.73% |
| Q4 2023 | 4.45% | 3.13% | 2.28% | 4.41% | 19.24% |
| Q1 2024 | 4.49% | 3.41% | 2.17% | 4.47% | 8.70% |
| Q2 2024 | 4.64% | 3.59% | 2.14% | 4.63% | 10.21% |
| Q3 2024 | 4.81% | 3.60% | 2.24% | 4.78% | 10.67% |
| Q4 2024 | 4.90% | 3.39% | 2.45% | 4.91% | 10.52% |
| Q1 2025 | 4.89% | 2.43% | 2.59% | 4.93% | 10.52% |
| Q2 2025 | 5.09% | 2.47% | 2.75% | 5.12% | 10.53% |
| Q3 2025 | 5.18% | 2.55% | 2.78% | 5.24% | 9.72% |
| Q4 2025 | 5.20% | 2.48% | 2.85% | 5.26% | 9.02% |
| Q1 2026 | 5.04% | 2.30% | 2.86% | 5.12% | 8.81% |
| Q2 2026 | 5.17% | 2.23% | 3.04% | 5.27% | 12.00% |
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 30889) · FFIEC NIC profile (RSSD 943273)