Colfax, IL · Cert 10075 · Peoples Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
73
Profitability
61
Liquidity
0
Efficiency
74
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Colfax, IL · Cert 10075 · Peoples Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Bloomington, IL · 2026 SOD (annual) · 1.0% share · #16 of 26 inst. · $0.0B of $4.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.28% | 1.35% | 1.39% | 1.49% | 1.49% | 1.37% | 1.31% | -9 bps | |
| Return on Equity | 11.24% | 11.56% | 12.13% | 12.49% | 13.39% | 13.31% | 11.98% | 11.61% | -88 bps | |
| Net Interest Margin | 3.24% | 3.22% | 3.58% | 3.73% | 3.63% | 3.54% | 3.69% | 3.82% | +9 bps | |
| Efficiency Ratio | 53.66% | 55.91% | 53.49% | 51.90% | 50.26% | 53.09% | 55.24% | 56.02% | +411 bps | |
| Non-Interest Burden | 1.62% | 1.64% | 1.85% | 1.86% | 1.69% | 1.70% | 1.98% | 2.09% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.59% | 9.61% | 9.05% | 2.09% | 6.92% | 5.59% | 8.53% | 9.63% | +754 bps | |
| Loan Growth (YoY) | 0.86% | 4.09% | -1.91% | -7.21% | -0.76% | -4.30% | -6.12% | 2.89% | +1,010 bps | |
| Deposit Growth (YoY) | 5.98% | 13.39% | 9.70% | 4.20% | 9.58% | 7.53% | 8.41% | 10.12% | +592 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +3 bps | |
| Allowance / Loans | 0.56% | 0.55% | 0.54% | 0.58% | 0.56% | 0.56% | 0.59% | 0.57% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.75% | 10.91% | 11.56% | 12.09% | 11.86% | 10.93% | 11.26% | 11.74% | -34 bps | |
| Total Risk-Based Capital | 23.70% | 10.91% | 11.56% | 12.09% | 11.86% | 10.93% | 11.26% | 11.74% | -34 bps | |
| Equity / Assets | 11.04% | 10.72% | 11.52% | 11.26% | 11.12% | 11.31% | 11.57% | 10.96% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.15% | 54.41% | 53.24% | 49.15% | 47.23% | 48.43% | 46.10% | 45.93% | -322 bps | |
| Liquid Assets / Assets | 21.03% | 18.37% | 18.14% | 21.17% | 24.99% | 22.84% | 26.64% | 30.04% | +886 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 33.02% | 19.09% | 19.09% | n/a | n/a | |
Colfax, IL · Cert 10075 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Peoples Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.26%
Rank 262 of 746
Net Interest Margin
3.82%
Rank 323 of 746
Efficiency Ratio
56.02%
Rank 192 of 746
Equity / Assets
10.96%
Rank 325 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.72% | 1.06% | 1.45% | Beats 65% | 262 / 746 | ||
| Return on Equity | 11.54% | 6.74% | 10.51% | 13.63% | Beats 60% | 300 / 746 | ||
| Net Interest Margin | 3.82% | 3.17% | 3.68% | 4.16% | Beats 57% | 323 / 746 | ||
| Efficiency Ratio | 56.02% | 55.74% | 64.58% | 75.47% | Beats 74% | 192 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 45% | 413 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.74% | 11.55% | 13.75% | 17.60% | Beats 29% | 533 / 746 | ||
| Total Risk-Based Capital Ratio | 11.74% | 11.71% | 14.33% | 18.43% | Beats 26% | 549 / 746 | ||
| Equity / Assets | 10.96% | 8.90% | 10.51% | 13.06% | Beats 56% | 325 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.93% | 61.31% | 78.27% | 90.78% | 9th pctl | 676 / 746 | ||
| Loans / Assets | 40.57% | 53.60% | 66.97% | 76.08% | 10th pctl | 670 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||