Peru Federal Savings 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 3.17%. Within Illinois, Peru Federal Savings Bank is 264th of 323 on net interest margin, 3.17% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peru Federal Savings Bank sits 0.78 points lower, at 3.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.71% |
| Yield on loans | 5.69% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $772K |
| Interest expense on deposits | $772K |
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 | 3.94% | 1.16% | 2.75% | 4.46% | 2.29% |
| Q4 2023 | 4.11% | 1.35% | 2.84% | 4.66% | 2.37% |
| Q1 2024 | 4.13% | 1.51% | 2.73% | 4.68% | 2.77% |
| Q2 2024 | 4.29% | 1.71% | 2.72% | 4.92% | 2.88% |
| Q3 2024 | 4.30% | 1.81% | 2.67% | 5.14% | 2.95% |
| Q4 2024 | 4.44% | 1.86% | 2.72% | 5.21% | 2.99% |
| Q1 2025 | 4.35% | 1.84% | 2.71% | 5.31% | 3.06% |
| Q2 2025 | 4.42% | 1.80% | 2.81% | 5.40% | 3.16% |
| Q3 2025 | 4.69% | 1.89% | 3.02% | 5.54% | 3.16% |
| Q4 2025 | 4.68% | 1.92% | 2.99% | 5.64% | 3.21% |
| Q1 2026 | 4.60% | 1.81% | 2.99% | 5.57% | 3.19% |
| Q2 2026 | 4.71% | 1.73% | 3.17% | 5.69% | 3.24% |
Peru Federal Savings 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 Peru Federal Savings 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 Peru Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29384) · FFIEC NIC profile (RSSD 305077)