Peoples State Bank of Newton, Illinois, The
Newton, IL · Cert 11722 · Peer group: banks under $1B in assets in IL (n=149-151) · Peoples Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$736.7MAssets
$501.1MLoans
$577.9MDeposits
$87.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets in IL (rank 10 of 151).
- Widest gap: total risk-based capital ratio trails 59% of banks under $1B in assets in IL (rank 89 of 151).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.46%
Rank 24 of 151
Net Interest Margin
3.49%
Rank 69 of 151
Efficiency Ratio
46.37%
Rank 10 of 151
Equity / Assets
11.84%
Rank 47 of 151
Non-interest income vs. expense
Unfavorable gap of $10.3M · efficiency ratio beats 94% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.70% | 1.03% | 1.34% | Beats 84% | 24 / 151 | | |
| Return on Equity | 12.35% | 6.74% | 9.34% | 12.94% | Beats 73% | 41 / 151 | | |
| Net Interest Margin | 3.49% | 3.02% | 3.43% | 3.83% | Beats 54% | 69 / 151 | | |
| Efficiency Ratio | 46.37% | 54.64% | 64.89% | 72.50% | Beats 94% | 10 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.20% | 0.66% | 1.77% | Beats 54% | 69 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 77% | 36 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 11.83% | 14.17% | 18.66% | Beats 44% | 84 / 151 | | |
| Total Risk-Based Capital Ratio | 13.52% | 12.22% | 14.54% | 19.92% | Beats 41% | 89 / 151 | | |
| Equity / Assets | 11.84% | 9.10% | 10.65% | 12.40% | Beats 69% | 47 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.70% | 54.39% | 71.02% | 80.75% | 86th pctl | 21 / 149 | | |
| Loans / Assets | 68.01% | 45.91% | 61.31% | 68.01% | 75th pctl | 38 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |