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Peoples State Bank of Colfax

Colfax, IL · Cert 10075 · Peoples Financial Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$49.5MAssets
$20.1MLoans
$43.7MDeposits
$5.4MEquity
Loan mix
55%RE $8.2M25%C&I $3.8M20%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $36.9M16%Noninterest $6.9MQ3 2024Q2 2026

Market Position · Bloomington, IL · 2026 SOD (annual) · 1.0% share · #16 of 26 inst. · $0.0B of $4.6B

Executive Summary

  • Earnings: ROA of 1.31%, down 9 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.74%, down 34 bps from a year ago.
  • Funding: loans stand at 45.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.31%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+9 bps YoY

Efficiency Ratio (YTD, annualized)

56.02%+411 bps YoY

Tier 1 Leverage Ratio

11.74%-34 bps YoY

NIM

4.30%Q2 ’244.74%Q2 ’254.84%Q2 ’26+10%+2%

Non-interest income vs. expense

1.95%Q2 ’242.01%Q2 ’252.19%Q2 ’26+4%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.28%1.35%1.39%1.49%1.49%1.37%1.31%-9 bps
Return on Equity11.24%11.56%12.13%12.49%13.39%13.31%11.98%11.61%-88 bps
Net Interest Margin3.24%3.22%3.58%3.73%3.63%3.54%3.69%3.82%+9 bps
Efficiency Ratio53.66%55.91%53.49%51.90%50.26%53.09%55.24%56.02%+411 bps
Non-Interest Burden1.62%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 / Loans0.00%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 / Loans0.56%0.55%0.54%0.58%0.56%0.56%0.59%0.57%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.75%10.91%11.56%12.09%11.86%10.93%11.26%11.74%-34 bps
Total Risk-Based Capital23.70%10.91%11.56%12.09%11.86%10.93%11.26%11.74%-34 bps
Equity / Assets11.04%10.72%11.52%11.26%11.12%11.31%11.57%10.96%-30 bps
Liquidity & Funding
Loans / Deposits52.15%54.41%53.24%49.15%47.23%48.43%46.10%45.93%-322 bps
Liquid Assets / Assets21.03%18.37%18.14%21.17%24.99%22.84%26.64%30.04%+886 bps
CRE / Total Capitaln/an/an/an/a33.02%19.09%19.09%n/an/a