The 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.
Compared with Q1 2026, Total interest expense rose 7.3% in Q2 2026 to $1.9M, the biggest move on this page. Within Indiana, The Peoples State Bank is 41st of 87 on net interest margin, 3.71% as of Q2 2026, above the middle of the field. The Peoples State Bank reported 3.71% on net interest margin for Q2 2026, 0.24 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 6.67% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 3.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 | 5.01% | 2.05% | 3.08% | 6.34% | 3.17% |
| Q4 2023 | 5.07% | 2.22% | 3.00% | 6.44% | 3.23% |
| Q1 2024 | 5.12% | 2.18% | 3.08% | 6.42% | 3.33% |
| Q2 2024 | 5.21% | 2.31% | 3.06% | 6.56% | 3.35% |
| Q3 2024 | 5.34% | 2.35% | 3.15% | 6.68% | 3.42% |
| Q4 2024 | 5.21% | 2.11% | 3.25% | 6.58% | 3.42% |
| Q1 2025 | 5.17% | 1.95% | 3.34% | 6.51% | 3.35% |
| Q2 2025 | 5.28% | 2.00% | 3.40% | 6.64% | 3.35% |
| Q3 2025 | 5.36% | 1.98% | 3.52% | 6.75% | 3.37% |
| Q4 2025 | 5.37% | 1.83% | 3.68% | 6.74% | 3.41% |
| Q1 2026 | 5.40% | 1.66% | 3.83% | 6.66% | 3.49% |
| Q2 2026 | 5.28% | 1.71% | 3.71% | 6.67% | 3.48% |
The 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 The 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 The Peoples State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14113) · FFIEC NIC profile (RSSD 454546)