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.
Cost of interest-bearing liabilities rose 0.26 percentage points from Q1 2026 to Q2 2026, ending at 1.80% against 1.54%. It was the largest change among the key lines on this page. Peoples State Bank ranks 160th of 345 Texas banks on net interest margin, in the upper half at 4.22% (Q2 2026). Peoples State Bank reported 4.22% on net interest margin for Q2 2026, 0.27 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 7.78% |
| Yield on securities | 2.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 1.80% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.22% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $539K |
| Interest expense on deposits | $423K |
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 | 4.46% | 0.52% | 3.95% | 7.35% | 1.79% |
| Q4 2023 | 4.56% | 0.60% | 3.98% | 7.60% | 1.83% |
| Q1 2024 | 4.72% | 0.88% | 3.87% | 7.83% | 2.24% |
| Q2 2024 | 4.65% | 0.95% | 3.73% | 7.56% | 2.25% |
| Q3 2024 | 4.91% | 1.01% | 3.92% | 8.00% | 2.19% |
| Q4 2024 | 5.06% | 1.28% | 3.83% | 8.11% | 2.23% |
| Q1 2025 | 5.14% | 1.39% | 3.81% | 8.22% | 2.19% |
| Q2 2025 | 5.14% | 1.25% | 3.96% | 7.84% | 2.15% |
| Q3 2025 | 5.25% | 1.40% | 3.93% | 7.92% | 2.12% |
| Q4 2025 | 5.57% | 1.35% | 4.30% | 8.50% | 2.07% |
| Q1 2026 | 5.30% | 1.12% | 4.22% | 7.79% | 2.07% |
| Q2 2026 | 5.45% | 1.29% | 4.22% | 7.78% | 2.03% |
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 10345) · FFIEC NIC profile (RSSD 586960)