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Peru Federal Savings Bank

Peru, IL · Cert 29384 · PFS Bcorp Inc.

State savings bank · OCC · 2 branches

Q2 2026

$208.5MAssets
$112.3MLoans
$172.8MDeposits
$32.7MEquity
Loan mix
92%RE $100.8M5%C&I $5.5M3%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $152.6M12%Noninterest $20.2MQ2 2025Q2 2026

NIM

4.02%Q2 ’244.30%Q2 ’254.47%Q2 ’26+9%+9%

Non-interest income vs. expense

2.07%Q2 ’241.91%Q2 ’252.18%Q2 ’26-12%+18%

Executive Summary

  • Earnings: ROA of 0.84%, down 6 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.28% of loans (+7 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.43%, up 84 bps from a year ago.
  • Funding: loans stand at 64.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.84%-6 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+26 bps YoY

Efficiency Ratio (quarter, annualized)

64.94%+343 bps YoY

Tier 1 Leverage Ratio

16.43%+84 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.90%1.16%0.70%0.84%-6 bps
Return on Equity6.26%6.02%7.54%4.56%5.41%-85 bps
Net Interest Margin2.73%2.78%2.79%2.79%2.99%+26 bps
Efficiency Ratio61.51%65.23%58.19%64.32%64.94%+343 bps
Non-Interest Burden1.54%1.69%1.37%1.67%1.81%+28 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 / Loans0.21%0.20%0.23%0.29%0.28%+7 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.01%+1 bps
Allowance / Loans0.77%0.77%0.77%0.76%0.77%0 bps
Allowance Coverage of NPLs3.7x3.8x3.3x2.6x2.8x-0.9x
Capital
Tier 1 Leverage Ratio15.58%16.10%16.10%16.08%16.43%+84 bps
Total Risk-Based Capital31.98%31.94%32.53%33.47%32.74%+76 bps
Equity / Assets14.48%15.39%15.49%15.26%15.66%+118 bps
Liquidity & Funding
Loans / Deposits60.69%65.05%63.68%62.58%64.98%+428 bps
Liquid Assets / Assets9.87%7.26%10.14%12.59%11.02%+115 bps
CRE / Total Capitaln/a89.55%87.55%90.32%n/an/a