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.
Compared with Q1 2026, Net interest margin rose 0.16 percentage points in Q2 2026 to 3.35%, the biggest move on this page. Peoples Savings Bank ranks 154th of 225 Iowa banks on net interest margin, in the lower half at 3.35% (Q2 2026). Peoples Savings Bank reported 3.35% on net interest margin for Q2 2026, 0.60 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.93% |
| Yield on securities | 3.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 2.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.9M |
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 | 4.74% | 2.25% | 2.65% | 6.37% | 2.83% |
| Q4 2023 | 4.97% | 2.45% | 2.67% | 6.60% | 2.91% |
| Q1 2024 | 5.36% | 2.41% | 3.09% | 6.44% | 2.99% |
| Q2 2024 | 5.60% | 2.51% | 3.26% | 6.64% | 3.39% |
| Q3 2024 | 5.85% | 2.74% | 3.28% | 6.77% | 3.20% |
| Q4 2024 | 5.06% | 2.73% | 2.50% | 6.30% | 3.16% |
| Q1 2025 | 5.07% | 2.48% | 2.75% | 6.54% | 3.03% |
| Q2 2025 | 5.38% | 2.42% | 3.11% | 6.85% | 3.22% |
| Q3 2025 | 5.66% | 2.47% | 3.33% | 7.09% | 3.29% |
| Q4 2025 | 5.50% | 2.33% | 3.34% | 7.04% | 3.18% |
| Q1 2026 | 5.28% | 2.24% | 3.19% | 6.75% | 3.26% |
| Q2 2026 | 5.38% | 2.18% | 3.35% | 6.93% | 3.29% |
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 34973) · FFIEC NIC profile (RSSD 2732565)