Peru Federal Savings Bank
Peru, IL · Cert 29384 · Peer group: banks under $1B in assets in IL (n=149-151) · PFS Bcorp Inc.
State savings bank · OCC · 2 branches
Q2 2026
$208.5MAssets
$112.3MLoans
$172.8MDeposits
$32.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of banks under $1B in assets in IL (rank 8 of 151).
- Widest gap: net interest margin trails 83% of banks under $1B in assets in IL (rank 125 of 151).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.77%
Rank 107 of 151
Net Interest Margin
2.90%
Rank 125 of 151
Efficiency Ratio
64.64%
Rank 75 of 151
Equity / Assets
15.66%
Rank 16 of 151
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 51% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.70% | 1.03% | 1.34% | Beats 29% | 107 / 151 | |
| Return on Equity | 4.94% | 6.74% | 9.34% | 12.94% | Beats 17% | 126 / 151 | |
| Net Interest Margin | 2.90% | 3.02% | 3.43% | 3.83% | Beats 17% | 125 / 151 | |
| Efficiency Ratio | 64.64% | 54.64% | 64.89% | 72.50% | Beats 51% | 75 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.20% | 0.66% | 1.77% | Beats 68% | 49 / 149 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 78% | 34 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 31.90% | 11.83% | 14.17% | 18.66% | Beats 95% | 8 / 151 | |
| Total Risk-Based Capital Ratio | 32.74% | 12.22% | 14.54% | 19.92% | Beats 95% | 8 / 151 | |
| Equity / Assets | 15.66% | 9.10% | 10.65% | 12.40% | Beats 89% | 16 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 64.98% | 54.39% | 71.02% | 80.75% | 38th pctl | 92 / 149 | |
| Loans / Assets | 53.85% | 45.91% | 61.31% | 68.01% | 38th pctl | 94 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |