Peoples State 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 0.31 percentage points in Q2 2026 to 3.86%, the biggest move on this page. Peoples State Bank ranks 72nd of 153 Wisconsin banks on net interest margin, in the upper half at 3.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Peoples State Bank reported 3.86% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 6.59% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.4M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $2.7M |
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 | 3.94% | 1.38% | 2.73% | 5.35% | 1.94% |
| Q4 2023 | 4.14% | 1.53% | 2.77% | 5.60% | 1.99% |
| Q1 2024 | 4.26% | 1.76% | 2.68% | 5.72% | 1.98% |
| Q2 2024 | 4.44% | 1.87% | 2.79% | 5.90% | 1.96% |
| Q3 2024 | 4.60% | 1.98% | 2.80% | 6.09% | 1.98% |
| Q4 2024 | 4.64% | 1.90% | 2.94% | 6.16% | 2.04% |
| Q1 2025 | 4.62% | 1.75% | 3.04% | 6.07% | 2.10% |
| Q2 2025 | 4.87% | 1.57% | 3.38% | 6.30% | 2.37% |
| Q3 2025 | 4.94% | 1.62% | 3.49% | 6.35% | 2.42% |
| Q4 2025 | 5.00% | 1.63% | 3.56% | 6.35% | 2.57% |
| Q1 2026 | 5.03% | 1.66% | 3.55% | 6.39% | 2.44% |
| Q2 2026 | 5.32% | 1.72% | 3.86% | 6.59% | 2.72% |
Peoples State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12814) · FFIEC NIC profile (RSSD 262844)