Peoples State Bank of Plainview: 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 rose 4.6% to $2.0M. Peoples State Bank of Plainview ranks 152nd of 221 Minnesota banks on net interest margin, in the lower half at 3.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples State Bank of Plainview sits 0.23 points lower, at 3.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 4.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.9M |
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 | 4.50% | 2.00% | 2.61% |
| Q4 2023 | 4.64% | 2.11% | 2.65% |
| Q1 2024 | 4.77% | 2.22% | 2.68% |
| Q2 2024 | 4.98% | 2.34% | 2.78% |
| Q3 2024 | 5.14% | 2.49% | 2.79% |
| Q4 2024 | 5.21% | 2.42% | 2.94% |
| Q1 2025 | 5.16% | 2.27% | 3.02% |
| Q2 2025 | 5.44% | 2.20% | 3.37% |
| Q3 2025 | 5.48% | 2.15% | 3.48% |
| Q4 2025 | 5.53% | 2.06% | 3.60% |
| Q1 2026 | 5.46% | 1.99% | 3.59% |
| Q2 2026 | 5.62% | 2.03% | 3.72% |
Peoples State Bank of Plainview 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 Plainview, 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 Plainview profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1100) · FFIEC NIC profile (RSSD 786555)