Peoples State Bank of Colfax
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
$49.5MAssets
$20.1MLoans
$43.7MDeposits
$5.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: total risk-based capital ratio trails 74% of banks under $1B in assets operating in a single state (rank 549 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 74% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |