Peoples Bank of Kankakee County
Bourbonnais, IL · Cert 18566 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Romy Hammes Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$375.6MAssets
$170.6MLoans
$328.3MDeposits
$21.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 732 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.73%
Rank 555 of 746
Net Interest Margin
2.67%
Rank 684 of 746
Efficiency Ratio
72.97%
Rank 526 of 746
Equity / Assets
5.77%
Rank 732 of 746
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 30% 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 | 0.73% | 0.72% | 1.06% | 1.45% | Beats 26% | 555 / 746 | |
| Return on Equity | 12.60% | 6.74% | 10.51% | 13.63% | Beats 67% | 244 / 746 | |
| Net Interest Margin | 2.67% | 3.17% | 3.68% | 4.16% | Beats 8% | 684 / 746 | |
| Efficiency Ratio | 72.97% | 55.74% | 64.58% | 75.47% | Beats 30% | 526 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.09% | 0.42% | 1.07% | Beats 59% | 309 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.02% | 11.55% | 13.75% | 17.60% | Beats 32% | 508 / 746 | |
| Total Risk-Based Capital Ratio | 12.93% | 11.71% | 14.33% | 18.43% | Beats 36% | 478 / 746 | |
| Equity / Assets | 5.77% | 8.90% | 10.51% | 13.06% | Beats 2% | 732 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 51.95% | 61.31% | 78.27% | 90.78% | 14th pctl | 639 / 746 | |
| Loans / Assets | 45.41% | 53.60% | 66.97% | 76.08% | 14th pctl | 640 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |