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.
Yield on securities rose 0.63 percentage points from Q1 2026 to Q2 2026, ending at 4.15% against 3.52%. It was the largest change among the key lines on this page. On net interest margin, Peoples State Bank ranks 2nd highest among the 169 banks headquartered in Oklahoma, at 6.54% (Q2 2026). Against a median of 3.89% for banks in the < $100M asset tier, Peoples State Bank reported 6.54% on net interest margin in Q2 2026, 2.65 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.90% |
| Yield on loans | 7.82% |
| Yield on securities | 4.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.36% |
| Cost of interest-bearing deposits | 0.59% |
| Cost of interest-bearing liabilities | 0.59% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.54% |
| Yield to cost spread | 6.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $183K |
| Total interest expense | $11K |
| Interest expense on deposits | $11K |
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 | 6.91% | 0.16% | 6.76% | 8.15% | 4.86% |
| Q4 2023 | 6.92% | 0.24% | 6.68% | 7.95% | 4.60% |
| Q1 2024 | 7.22% | 0.22% | 7.01% | 8.01% | 4.73% |
| Q2 2024 | 7.53% | 0.25% | 7.29% | 8.01% | 4.53% |
| Q3 2024 | 7.37% | 0.32% | 7.07% | 7.98% | 5.13% |
| Q4 2024 | 7.35% | 0.35% | 7.01% | 7.89% | 4.80% |
| Q1 2025 | 6.83% | 0.35% | 6.49% | 7.56% | 5.11% |
| Q2 2025 | 7.14% | 0.32% | 6.83% | 7.81% | 3.89% |
| Q3 2025 | 7.15% | 0.44% | 6.73% | 7.95% | 4.18% |
| Q4 2025 | 6.88% | 0.38% | 6.52% | 7.69% | 3.53% |
| Q1 2026 | 7.15% | 0.39% | 6.76% | 8.18% | 3.52% |
| Q2 2026 | 6.90% | 0.36% | 6.54% | 7.82% | 4.15% |
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 17138) · FFIEC NIC profile (RSSD 991854)