Peoples State Bank of Colfax: 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 Q3 2026, Net interest margin edged up by 0.11 percentage points, from 4.01% to 4.12%, the largest move among the key lines here. Within Illinois, Peoples State Bank of Colfax is 86th of 323 on net interest margin, 4.12% as of Q3 2026, above the middle of the field. Peoples State Bank of Colfax reported 4.12% on net interest margin for Q3 2026, 0.23 points above the 3.89% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 6.73% |
| Yield on securities | 4.18% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.16% |
| Cost of interest-bearing deposits | 1.33% |
| Cost of interest-bearing liabilities | 1.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $340K |
| Total interest expense | $125K |
| Interest expense on deposits | $125K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.28% | 1.11% | 3.34% | 6.06% | 1.86% |
| Q1 2024 | 4.41% | 0.94% | 3.59% | 6.16% | 2.02% |
| Q2 2024 | 4.67% | 1.20% | 3.61% | 6.54% | 2.11% |
| Q3 2024 | 4.88% | 1.40% | 3.63% | 6.58% | 2.26% |
| Q4 2024 | 4.86% | 1.32% | 3.71% | 6.62% | 2.45% |
| Q1 2025 | 4.73% | 1.11% | 3.74% | 6.41% | 2.81% |
| Q2 2025 | 5.00% | 1.17% | 3.95% | 6.54% | 3.21% |
| Q3 2025 | 5.06% | 1.11% | 4.05% | 6.77% | 3.36% |
| Q4 2025 | 5.03% | 1.08% | 4.04% | 6.69% | 3.55% |
| Q1 2026 | 4.92% | 1.11% | 3.91% | 6.47% | 3.79% |
| Q2 2026 | 5.07% | 1.19% | 4.01% | 6.60% | 4.08% |
| Q3 2026 | 5.16% | 1.16% | 4.12% | 6.73% | 4.18% |
Peoples State Bank of Colfax 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 of Colfax, 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 of Colfax profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10075) · FFIEC NIC profile (RSSD 33839)