The 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.
In Q2 2026, Yield on loans edged up by 0.17 percentage points, from 6.28% to 6.45%, the largest move among the key lines here. The Peoples Savings Bank ranks 67th of 156 Ohio banks on net interest margin, in the upper half at 3.85% (Q2 2026). At 3.85%, The Peoples Savings Bank's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.60% |
| Yield on loans | 6.45% |
| Yield on securities | 2.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.80% |
| Cost of interest-bearing deposits | 1.07% |
| Cost of interest-bearing liabilities | 1.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $558K |
| Total interest expense | $123K |
| Interest expense on deposits | $123K |
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 | 3.91% | 0.28% | 3.64% | 5.69% | 1.76% |
| Q4 2023 | 4.03% | 0.40% | 3.64% | 5.94% | 1.77% |
| Q1 2024 | 4.18% | 0.54% | 3.65% | 6.10% | 1.71% |
| Q2 2024 | 4.22% | 0.62% | 3.63% | 6.00% | 1.69% |
| Q3 2024 | 4.30% | 0.64% | 3.70% | 6.22% | 1.70% |
| Q4 2024 | 4.36% | 0.63% | 3.77% | 6.22% | 1.72% |
| Q1 2025 | 4.41% | 0.68% | 3.77% | 6.24% | 1.82% |
| Q2 2025 | 4.57% | 0.72% | 3.89% | 6.51% | 1.81% |
| Q3 2025 | 4.72% | 0.76% | 4.00% | 6.63% | 2.10% |
| Q4 2025 | 4.62% | 0.78% | 3.90% | 6.46% | 2.10% |
| Q1 2026 | 4.52% | 0.78% | 3.80% | 6.28% | 2.14% |
| Q2 2026 | 4.60% | 0.80% | 3.85% | 6.45% | 2.21% |
The 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 The 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 The Peoples Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9439) · FFIEC NIC profile (RSSD 287922)