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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.23 percentage points to 3.67%. Within Ohio, The Peoples Savings Bank is 79th of 156 on net interest margin, 3.67% as of Q2 2026, below the middle of the field. The Peoples Savings Bank reported 3.67% on net interest margin for Q2 2026, 0.28 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 6.08% |
| Yield on securities | 2.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 2.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $896K |
| Interest expense on deposits | $893K |
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% | 1.40% | 3.46% | 4.98% | 2.00% |
| Q4 2023 | 4.94% | 1.60% | 3.49% | 5.21% | 1.91% |
| Q1 2024 | 4.90% | 1.78% | 3.27% | 5.15% | 1.98% |
| Q2 2024 | 5.44% | 1.80% | 3.69% | 5.82% | 1.55% |
| Q3 2024 | 5.61% | 1.79% | 3.85% | 5.93% | 2.45% |
| Q4 2024 | 5.55% | 1.86% | 3.76% | 5.96% | 2.01% |
| Q1 2025 | 5.46% | 1.93% | 3.59% | 5.88% | 2.00% |
| Q2 2025 | 5.53% | 1.97% | 3.63% | 5.97% | 2.04% |
| Q3 2025 | 5.34% | 2.02% | 3.51% | 5.67% | 1.99% |
| Q4 2025 | 5.56% | 2.11% | 3.63% | 5.91% | 2.07% |
| Q1 2026 | 5.35% | 2.07% | 3.44% | 5.71% | 2.06% |
| Q2 2026 | 5.60% | 2.10% | 3.67% | 6.08% | 2.05% |
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 29975) · FFIEC NIC profile (RSSD 819172)