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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.32% | 1.35% | 1.46% | 1.70% | 1.44% | 1.37% | 1.26% | -20 bps | |
| Return on Equity | 12.48% | 12.15% | 12.13% | 12.78% | 15.21% | 12.81% | 11.98% | 11.19% | -159 bps | |
| Net Interest Margin | 3.39% | 3.53% | 3.58% | 3.77% | 3.85% | 3.81% | 3.69% | 3.83% | +6 bps | |
| Efficiency Ratio | 51.52% | 61.17% | 53.49% | 50.35% | 47.50% | 59.96% | 55.24% | 56.80% | +645 bps | |
| Non-Interest Burden | 1.52% | 1.86% | 1.85% | 1.82% | 1.55% | 1.98% | 1.98% | 2.14% | +32 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 | -0.02% | 0.00% | 0.08% | -0.08% | 0.00% | 0.00% | 0.00% | 0.06% | +14 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 | |