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Peoples State Bank of Newton, Illinois, The

Newton, IL · Cert 11722 · Peoples Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$736.7MAssets
$501.1MLoans
$577.9MDeposits
$87.2MEquity
Loan mix
74%RE $310.9M23%C&I $98.1M3%Consumer $13.0MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $462.4M20%Noninterest $115.5MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #96 of 111 inst. · $0.0B of $141.7B

67.4% Jasper
43.5% Lawrence
7.9% Fayette
4.1% Marion

Executive Summary

  • Earnings: ROA of 1.48%, up 31 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.54% of loans (+36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.52%, up 229 bps from a year ago.
  • Funding: loans stand at 86.70% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.48%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+47 bps YoY

Efficiency Ratio (YTD, annualized)

46.07%-556 bps YoY

Tier 1 Leverage Ratio

13.52%+229 bps YoY

NIM

4.60%Q2 ’244.90%Q2 ’255.10%Q2 ’26+10%+15%

Non-interest income vs. expense

1.73%Q2 ’241.85%Q2 ’251.83%Q2 ’26+10%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.05%1.15%1.17%1.22%1.17%1.49%1.48%+31 bps
Return on Equity13.63%12.89%13.79%13.61%13.78%13.06%15.54%14.29%+67 bps
Net Interest Margin2.73%2.75%2.94%3.02%3.08%3.12%3.40%3.49%+47 bps
Efficiency Ratio50.46%52.87%49.20%51.64%50.34%50.43%43.83%46.07%-556 bps
Non-Interest Burden1.25%1.34%1.34%1.40%1.37%1.38%1.25%1.38%-3 bps
Growth
Asset Growth (YoY)7.36%3.70%3.78%1.63%1.63%3.47%3.81%6.13%+450 bps
Loan Growth (YoY)13.87%11.87%8.05%5.03%4.09%7.43%6.39%3.99%-104 bps
Deposit Growth (YoY)10.65%3.65%1.78%0.01%0.25%-2.75%-0.94%0.54%+53 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.25%0.23%0.18%0.43%0.37%0.81%0.54%+36 bps
Net Charge-Offs / Loans0.02%0.09%-0.03%0.01%-0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.17%1.11%1.16%1.15%1.19%1.22%1.30%1.36%+20 bps
Allowance Coverage of NPLs4.0x4.5x5.0x6.3x2.8x3.2x1.6x2.5x-3.9x
Capital
Tier 1 Leverage Ratio10.59%10.57%10.87%11.23%11.41%11.26%11.49%13.52%+229 bps
Total Risk-Based Capital10.59%10.57%10.87%11.23%11.41%11.26%11.49%13.52%+229 bps
Equity / Assets8.77%8.19%8.56%9.01%9.51%9.59%9.61%11.84%+284 bps
Liquidity & Funding
Loans / Deposits80.22%82.05%81.18%83.83%83.29%90.63%87.18%86.70%+288 bps
Liquid Assets / Assets3.44%3.58%5.44%3.36%4.60%3.00%6.22%7.33%+397 bps
CRE / Total Capitaln/an/an/an/a106.71%123.42%119.24%n/an/a