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.
In Q2 2026, Net interest margin edged up by 0.07 percentage points, from 3.50% to 3.57%, the largest move among the key lines here. Peoples State Bank ranks 102nd of 153 Wisconsin banks on net interest margin, in the lower half at 3.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Peoples State Bank sits 0.14 points lower, at 3.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.57% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.6M |
| Total interest expense | $7.3M |
| Interest expense on deposits | $5.8M |
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 |
|---|---|---|---|
| Q3 2023 | 4.79% | 1.89% | 3.01% |
| Q4 2023 | 4.98% | 2.13% | 2.99% |
| Q1 2024 | 5.06% | 2.32% | 2.87% |
| Q2 2024 | 5.14% | 2.38% | 2.92% |
| Q3 2024 | 5.29% | 2.45% | 3.01% |
| Q4 2024 | 5.31% | 2.41% | 3.09% |
| Q1 2025 | 5.25% | 2.33% | 3.07% |
| Q2 2025 | 5.38% | 2.38% | 3.19% |
| Q3 2025 | 5.51% | 2.38% | 3.32% |
| Q4 2025 | 5.50% | 2.27% | 3.44% |
| Q1 2026 | 5.53% | 2.19% | 3.50% |
| Q2 2026 | 5.61% | 2.17% | 3.57% |
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 18569) · FFIEC NIC profile (RSSD 340144)