Peru, IL · Cert 29384 · PFS Bcorp Inc.
State savings bank · OCC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.80% | 0.89% | 0.70% | 0.77% | +2 bps | |
| Return on Equity | 5.22% | 5.50% | 6.03% | 4.56% | 4.99% | -24 bps | |
| Net Interest Margin | 2.62% | 2.70% | 2.69% | 2.79% | 2.90% | +28 bps | |
| Efficiency Ratio | 65.31% | 65.28% | 63.34% | 64.32% | 64.64% | -67 bps | |
| Non-Interest Burden | 1.59% | 1.64% | 1.55% | 1.67% | 1.75% | +16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.74% | 2.33% | 4.68% | 2.73% | 0.05% | -469 bps | |
| Loan Growth (YoY) | 15.46% | 14.38% | 13.07% | 9.58% | 5.67% | -979 bps | |
| Deposit Growth (YoY) | 4.28% | 1.92% | 3.27% | 1.53% | -1.30% | -558 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.20% | 0.23% | 0.29% | 0.28% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.77% | 0.77% | 0.77% | 0.76% | 0.77% | 0 bps | |
| Allowance Coverage of NPLs | 3.7x | 3.8x | 3.3x | 2.6x | 2.8x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.58% | 16.10% | 16.10% | 16.08% | 16.43% | +84 bps | |
| Total Risk-Based Capital | 31.98% | 31.94% | 32.53% | 33.47% | 32.74% | +76 bps | |
| Equity / Assets | 14.48% | 15.39% | 15.49% | 15.26% | 15.66% | +118 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.69% | 65.05% | 63.68% | 62.58% | 64.98% | +428 bps | |
| Liquid Assets / Assets | 9.87% | 7.26% | 10.14% | 12.59% | 11.02% | +115 bps | |
| CRE / Total Capital | n/a | 89.55% | 87.55% | 90.32% | n/a | n/a | |