Peru, IL · Cert 29384 · PFS Bcorp Inc.
State savings bank · OCC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.27%1 | 0.59% | 0.90% | 0.90% | 1.16% | 0.70% | 0.84% | -6 bps | |
| Return on Equity | 3.72% | 1.82% | 4.15% | 6.26% | 6.02% | 7.54% | 4.56% | 5.41% | -85 bps | |
| Net Interest Margin | 2.52% | 2.49% | 2.56% | 2.73% | 2.78% | 2.79% | 2.79% | 2.99% | +26 bps | |
| Efficiency Ratio | 70.23% | 97.85% | 69.52% | 61.51% | 65.23% | 58.19% | 64.32% | 64.94% | +343 bps | |
| Non-Interest Burden | 1.66% | 2.43% | 1.69% | 1.54% | 1.69% | 1.37% | 1.67% | 1.81% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | 2.17% | 3.98% | 4.74% | 2.33% | 4.68% | 2.73% | 0.05% | -469 bps | |
| Loan Growth (YoY) | 7.56% | 6.06% | 9.05% | 15.46% | 14.38% | 13.07% | 9.58% | 5.67% | -979 bps | |
| Deposit Growth (YoY) | -8.17% | 2.10% | 3.46% | 4.28% | 1.92% | 3.27% | 1.53% | -1.30% | -558 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.36% | 0.36% | 0.21% | 0.20% | 0.23% | 0.29% | 0.28% | +7 bps | |
| Net Charge-Offs / Loans | -0.19% | 0.74% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.90% | 0.72% | 0.74% | 0.77% | 0.77% | 0.77% | 0.76% | 0.77% | 0 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.0x | 2.1x | 3.7x | 3.8x | 3.3x | 2.6x | 2.8x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.02% | 15.89% | 15.74% | 15.58% | 16.10% | 16.10% | 16.08% | 16.43% | +84 bps | |
| Total Risk-Based Capital | 34.12% | 33.74% | 32.98% | 31.98% | 31.94% | 32.53% | 33.47% | 32.74% | +76 bps | |
| Equity / Assets | 14.93% | 14.31% | 14.29% | 14.48% | 15.39% | 15.49% | 15.26% | 15.66% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.97% | 58.16% | 57.98% | 60.69% | 65.05% | 63.68% | 62.58% | 64.98% | +428 bps | |
| Liquid Assets / Assets | 11.10% | 11.95% | 12.63% | 9.87% | 7.26% | 10.14% | 12.59% | 11.02% | +115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 89.55% | 87.55% | 90.32% | n/a | n/a | |