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.
The standout move of Q2 2026 was in Yield on securities: 2.03 percentage points higher than in Q1 2026, at 6.08%. On net interest margin, Peoples State Bank ranks 4th highest among the 182 banks headquartered in Kansas, at 5.52% (Q2 2026). Peoples State Bank reported 5.52% on net interest margin for Q2 2026, 1.63 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.26% |
| Yield on loans | 7.55% |
| Yield on securities | 6.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 3.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.52% |
| Yield to cost spread | 4.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $395K |
| Total interest expense | $99K |
| Interest expense on deposits | $86K |
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 | 7.61% | 0.98% | 6.87% | 8.02% | 2.35% |
| Q4 2023 | 7.63% | 1.07% | 6.84% | 8.04% | 4.04% |
| Q1 2024 | 8.08% | 1.65% | 6.88% | 8.46% | 2.93% |
| Q2 2024 | 7.96% | 2.03% | 6.38% | 8.38% | 4.14% |
| Q3 2024 | 8.09% | 2.04% | 6.48% | 8.54% | 4.26% |
| Q4 2024 | 8.04% | 1.90% | 6.54% | 8.48% | 3.47% |
| Q1 2025 | 7.89% | 2.01% | 6.39% | 8.38% | 3.56% |
| Q2 2025 | 7.56% | 2.04% | 6.01% | 8.23% | 4.61% |
| Q3 2025 | 7.88% | 1.74% | 6.52% | 8.40% | 4.93% |
| Q4 2025 | 7.67% | 2.19% | 6.06% | 7.98% | 6.03% |
| Q1 2026 | 7.19% | 2.30% | 5.42% | 7.56% | 4.05% |
| Q2 2026 | 7.26% | 2.28% | 5.52% | 7.55% | 6.08% |
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 16744) · FFIEC NIC profile (RSSD 741358)