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Peoples Bank

Munster, IN · Cert 29523 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Finward Bcorp

State charter, non-member · FDIC · 24 branches

Q2 2026

$2.0BAssets
$1.5BLoans
$1.7BDeposits
$176.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 77% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 8 of 31).
  • Widest gap: efficiency ratio trails 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 30 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.43%

Rank 28 of 31

Net Interest Margin

2.97%

Rank 25 of 31

Efficiency Ratio

84.38%

Rank 30 of 31

Equity / Assets

8.67%

Rank 27 of 31

Non-interest income vs. expense

$9.7M$59.2MINCOMEEXPENSE
Unfavorable gap of $49.5M · efficiency ratio beats 6% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 84.38%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.43%1.15%1.39%1.64%Beats 10%28 / 31
Return on Equity4.93%11.05%13.35%16.66%Beats 10%28 / 31
Net Interest Margin2.97%3.00%3.28%3.75%Beats 19%25 / 31
Efficiency Ratio84.38%37.25%50.71%61.60%Beats 6%30 / 31
Asset Quality
Nonperforming Loans / Loans1.10%0.18%0.41%1.00%Beats 13%28 / 31
Net Charge-Offs / Loans0.00%0.00%0.04%0.11%Beats 77%8 / 31
Capital
Tier 1 Capital Ratio11.81%10.88%11.50%13.72%Beats 52%15 / 31
Total Risk-Based Capital Ratio13.03%11.53%12.02%14.77%Beats 58%13 / 31
Equity / Assets8.67%8.90%10.15%11.24%Beats 13%27 / 31
Liquidity & Funding
Loans / Deposits86.82%80.56%87.67%94.53%45th pctl17 / 31
Loans / Assets73.76%67.81%73.77%76.85%45th pctl17 / 31
Brokered Deposits / Depositsn/aNot reported for this institution