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Peoples Bank of Macon

Macon, IL · Cert 19105

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

57

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank of Macon

Macon, IL · Cert 19105

State charter, non-member · FDIC · 1 branch

Q2 2026

$22.7MAssets
$6.5MLoans
$19.5MDeposits
$3.1MEquity
Loan mix
17%RE $0.8M45%C&I $2.1M38%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $14.8M24%Noninterest $4.7MQ2 2025Q2 2026

NIM

3.44%Q2 ’243.59%Q2 ’253.72%Q2 ’26+6%0%

Non-interest income vs. expense

1.88%Q2 ’242.32%Q2 ’252.60%Q2 ’26+25%+13%

Market Position · Decatur, IL · 2026 SOD (annual) · 0.8% share · #12 of 13 inst. · $0.0B of $2.3B

Executive Summary

  • Earnings: ROA of 0.30%, down 25 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.57%, up 23 bps from a year ago.
  • Funding: loans stand at 33.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-25 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-1 bps YoY

Efficiency Ratio (YTD, annualized)

87.80%+976 bps YoY

Tier 1 Leverage Ratio

13.57%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.57%0.55%0.32%0.30%-25 bps
Return on Equity4.24%4.45%4.29%2.49%2.29%-195 bps
Net Interest Margin2.88%2.77%2.86%2.79%2.86%-1 bps
Efficiency Ratio78.03%77.63%78.31%86.47%87.80%+976 bps
Non-Interest Burden2.22%2.14%2.22%2.40%2.50%+28 bps
Growth
Asset Growth (YoY)-9.10%-10.93%-1.14%-0.80%-3.30%+581 bps
Loan Growth (YoY)7.00%-0.09%4.26%-2.55%-2.05%-905 bps
Deposit Growth (YoY)-8.82%-10.75%0.98%0.19%-2.73%+609 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.15%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.15%1.19%1.24%1.26%1.18%+2 bps
Allowance Coverage of NPLsn/an/an/a8.4xn/an/an/a
Capital
Tier 1 Leverage Ratio13.33%12.40%12.37%13.11%13.57%+23 bps
Total Risk-Based Capital13.33%12.40%12.37%13.11%13.57%+23 bps
Equity / Assets13.20%12.67%12.54%13.00%13.57%+38 bps
Liquidity & Funding
Loans / Deposits32.88%30.04%29.51%29.42%33.11%+23 bps
Liquid Assets / Assets67.35%70.99%70.35%70.78%67.42%+7 bps
CRE / Total Capitaln/a4.94%4.96%4.80%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples Bank of Macon

Macon, IL · Cert 19105 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$22.7MAssets
$6.5MLoans
$19.5MDeposits
$3.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: efficiency ratio trails 90% of banks under $1B in assets operating in a single state (rank 675 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.31%

Rank 669 of 746

Net Interest Margin

2.86%

Rank 647 of 746

Efficiency Ratio

87.80%

Rank 675 of 746

Equity / Assets

13.57%

Rank 160 of 746

Non-interest income vs. expense

$22K$590KINCOMEEXPENSE
Unfavorable gap of $568K · efficiency ratio beats 10% of banks under $1B in assets operating in a single state
Bank 87.80%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.31%0.72%1.06%1.45%Beats 10%669 / 746
Return on Equity2.27%6.74%10.51%13.63%Beats 10%675 / 746
Net Interest Margin2.86%3.17%3.68%4.16%Beats 13%647 / 746
Efficiency Ratio87.80%55.74%64.58%75.47%Beats 10%675 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio13.57%11.55%13.75%17.60%Beats 48%389 / 746
Total Risk-Based Capital Ratio13.57%11.71%14.33%18.43%Beats 43%428 / 746
Equity / Assets13.57%8.90%10.51%13.06%Beats 79%160 / 746
Liquidity & Funding
Loans / Deposits33.11%61.31%78.27%90.78%3rd pctl725 / 746
Loans / Assets28.49%53.60%66.97%76.08%3rd pctl726 / 746
Brokered Deposits / Depositsn/aNot reported for this institution