The Peoples State Bank of Newton, Illinois: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 5.5% to $2.9M. Within Illinois, The Peoples State Bank of Newton, Illinois is 136th of 323 on net interest margin, 3.85% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Peoples State Bank of Newton, Illinois reported 3.85% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.57% |
| Yield on securities | 2.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 3.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.1M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.4M |
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 | 4.66% | 1.81% | 3.01% | 5.80% | 2.51% |
| Q4 2023 | 4.72% | 2.01% | 2.89% | 5.82% | 2.55% |
| Q1 2024 | 4.81% | 2.10% | 2.89% | 5.89% | 2.55% |
| Q2 2024 | 5.01% | 2.23% | 2.99% | 6.13% | 2.55% |
| Q3 2024 | 5.19% | 2.36% | 3.05% | 6.33% | 2.56% |
| Q4 2024 | 5.19% | 2.32% | 3.07% | 6.33% | 2.51% |
| Q1 2025 | 5.11% | 2.17% | 3.13% | 6.21% | 2.51% |
| Q2 2025 | 5.22% | 2.15% | 3.28% | 6.33% | 2.48% |
| Q3 2025 | 5.40% | 2.13% | 3.46% | 6.49% | 2.55% |
| Q4 2025 | 5.42% | 2.00% | 3.61% | 6.47% | 2.69% |
| Q1 2026 | 5.36% | 1.93% | 3.62% | 6.38% | 2.71% |
| Q2 2026 | 5.48% | 1.85% | 3.85% | 6.57% | 2.69% |
The Peoples State Bank of Newton, Illinois yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples State Bank of Newton, Illinois, 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 The Peoples State Bank of Newton, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11722) · FFIEC NIC profile (RSSD 326344)