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 funds fell 0.39 percentage points from Q1 2026 to Q2 2026, ending at 0.76% against 1.14%. It was the largest change among the key lines on this page. Peoples State Bank ranks 310th of 345 Texas banks on net interest margin, in the lower half at 3.05% (Q2 2026). Peoples State Bank reported 3.05% on net interest margin for Q2 2026, 0.90 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.01% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.76% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $679K |
| Total interest expense | $347K |
| Interest expense on deposits | $347K |
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 | 3.65% | 1.12% | 2.63% |
| Q4 2023 | 3.79% | 1.32% | 2.57% |
| Q1 2024 | 3.93% | 1.33% | 2.67% |
| Q2 2024 | 4.08% | 1.22% | 2.96% |
| Q3 2024 | 4.11% | 1.12% | 3.11% |
| Q4 2024 | 4.06% | 1.34% | 2.75% |
| Q1 2025 | 4.09% | 1.18% | 2.94% |
| Q2 2025 | 4.04% | 0.98% | 2.81% |
| Q3 2025 | 4.09% | 1.30% | 2.89% |
| Q4 2025 | 4.03% | 1.16% | 2.95% |
| Q1 2026 | 3.95% | 1.14% | 2.89% |
| Q2 2026 | 4.01% | 0.76% | 3.05% |
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 15939) · FFIEC NIC profile (RSSD 660066)