Peoplessouth 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.
Cost of borrowings dropped 5.16 percentage points in Q2 2026, from 5.16% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Peoplessouth Bank is 90th of 121 on net interest margin, 3.98% as of Q2 2026, below the middle of the field. Peoplessouth Bank reported 3.98% on net interest margin for Q2 2026, 0.27 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 7.25% |
| Yield on securities | 1.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.4M |
| Total interest expense | $5.2M |
| Interest expense on deposits | $5.2M |
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 | 5.34% | 1.80% | 3.60% | 6.58% | 2.71% |
| Q4 2023 | 5.32% | 2.18% | 3.23% | 6.71% | 2.29% |
| Q1 2024 | 5.45% | 2.19% | 3.36% | 6.96% | 2.20% |
| Q2 2024 | 5.61% | 2.26% | 3.43% | 7.08% | 2.22% |
| Q3 2024 | 5.85% | 2.41% | 3.54% | 7.41% | 2.22% |
| Q4 2024 | 5.81% | 2.25% | 3.66% | 7.33% | 2.22% |
| Q1 2025 | 5.64% | 1.89% | 3.72% | 7.20% | 2.12% |
| Q2 2025 | 5.78% | 1.93% | 3.98% | 7.15% | 2.35% |
| Q3 2025 | 5.80% | 2.08% | 3.83% | 7.36% | 2.16% |
| Q4 2025 | 5.90% | 1.92% | 4.10% | 7.42% | 2.19% |
| Q1 2026 | 5.77% | 1.86% | 4.03% | 7.21% | 2.18% |
| Q2 2026 | 5.71% | 1.88% | 3.98% | 7.25% | 1.99% |
Peoplessouth 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 Peoplessouth 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 Peoplessouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21292) · FFIEC NIC profile (RSSD 518037)