Peoples Savings Bank: 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 0.20 percentage points to 3.38%. Peoples Savings Bank ranks 150th of 225 Iowa banks on net interest margin, in the lower half at 3.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples Savings Bank sits 0.57 points lower, at 3.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.97% |
| Yield on loans | 6.91% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.82% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | 4.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $956K |
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 | 5.07% | 2.27% | 2.96% | 5.94% | 2.35% |
| Q4 2023 | 5.19% | 2.61% | 2.79% | 6.08% | 2.36% |
| Q1 2024 | 5.35% | 2.79% | 2.81% | 6.25% | 2.43% |
| Q2 2024 | 5.51% | 2.97% | 2.82% | 6.41% | 2.44% |
| Q3 2024 | 5.68% | 3.08% | 2.85% | 6.62% | 2.44% |
| Q4 2024 | 5.64% | 3.07% | 2.82% | 6.56% | 2.44% |
| Q1 2025 | 5.61% | 2.92% | 2.91% | 6.48% | 2.49% |
| Q2 2025 | 5.75% | 3.00% | 2.96% | 6.62% | 2.60% |
| Q3 2025 | 5.99% | 3.10% | 3.10% | 6.91% | 2.64% |
| Q4 2025 | 5.73% | 3.02% | 2.94% | 6.63% | 2.65% |
| Q1 2026 | 5.77% | 2.83% | 3.18% | 6.70% | 2.69% |
| Q2 2026 | 5.97% | 2.82% | 3.38% | 6.91% | 2.72% |
Peoples Savings Bank 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 Savings Bank, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14868) · FFIEC NIC profile (RSSD 136048)