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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 $3.5MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $152.6M12%Noninterest $20.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.77%, up 2 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.28% of loans (+7 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (YTD, annualized)

0.77%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+28 bps YoY

Efficiency Ratio (YTD, annualized)

64.64%-67 bps YoY

Tier 1 Leverage Ratio

16.43%+84 bps YoY

NIM

3.91%Q2 ’244.18%Q2 ’254.41%Q2 ’26+5%+11%

Non-interest income vs. expense

2.10%Q2 ’241.93%Q2 ’252.11%Q2 ’26-10%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.50%0.59%0.75%0.80%0.89%0.70%0.77%+2 bps
Return on Equity4.02%3.48%4.15%5.22%5.50%6.03%4.56%4.99%-24 bps
Net Interest Margin2.53%2.49%2.56%2.62%2.70%2.69%2.79%2.90%+28 bps
Efficiency Ratio72.80%79.18%69.52%65.31%65.28%63.34%64.32%64.64%-67 bps
Non-Interest Burden1.75%1.90%1.69%1.59%1.64%1.55%1.67%1.75%+16 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 / Loans0.44%0.36%0.36%0.21%0.20%0.23%0.29%0.28%+7 bps
Net Charge-Offs / Loans-0.05%0.15%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.72%0.74%0.77%0.77%0.77%0.76%0.77%0 bps
Allowance Coverage of NPLs2.0x2.0x2.1x3.7x3.8x3.3x2.6x2.8x-0.9x
Capital
Tier 1 Leverage Ratio16.02%15.89%15.74%15.58%16.10%16.10%16.08%16.43%+84 bps
Total Risk-Based Capital34.12%33.74%32.98%31.98%31.94%32.53%33.47%32.74%+76 bps
Equity / Assets14.93%14.31%14.29%14.48%15.39%15.49%15.26%15.66%+118 bps
Liquidity & Funding
Loans / Deposits57.97%58.16%57.98%60.69%65.05%63.68%62.58%64.98%+428 bps
Liquid Assets / Assets11.10%11.95%12.63%9.87%7.26%10.14%12.59%11.02%+115 bps
CRE / Total Capitaln/an/an/an/a89.55%87.55%90.32%n/an/a