Peoples Security Bank and Trust 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.
Net interest margin rose 0.19 percentage points from Q1 2026 to Q2 2026, ending at 3.95% against 3.76%. It was the largest change among the key lines on this page. Within Pennsylvania, Peoples Security Bank and Trust Company is 29th of 109 on net interest margin, 3.95% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Peoples Security Bank and Trust Company sits 0.24 points higher, at 3.95% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 5.86% |
| Yield on securities | 3.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $61.5M |
| Total interest expense | $20.2M |
| Interest expense on deposits | $18.2M |
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 | 4.41% | 1.60% | 2.50% | 4.89% | 1.77% |
| Q4 2023 | 4.49% | 1.81% | 2.35% | 4.97% | 1.79% |
| Q1 2024 | 4.51% | 1.81% | 2.32% | 5.02% | 1.79% |
| Q2 2024 | 4.53% | 2.38% | 2.31% | 5.06% | 1.79% |
| Q3 2024 | 5.66% | 2.50% | 3.34% | 6.15% | 3.02% |
| Q4 2024 | 17.56% | 2.30% | 9.90% | 19.22% | 8.92% |
| Q1 2025 | 5.39% | 1.99% | 3.50% | 5.82% | 2.90% |
| Q2 2025 | 5.83% | 1.99% | 3.90% | 6.29% | 3.31% |
| Q3 2025 | 5.58% | 1.98% | 3.72% | 6.01% | 3.08% |
| Q4 2025 | 5.58% | 1.92% | 3.78% | 6.02% | 3.30% |
| Q1 2026 | 5.40% | 1.75% | 3.76% | 5.71% | 3.69% |
| Q2 2026 | 5.59% | 1.77% | 3.95% | 5.86% | 3.93% |
Peoples Security Bank and Trust 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 Peoples Security Bank and Trust 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 Peoples Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7514) · FFIEC NIC profile (RSSD 278818)