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
Unfavorable gap of $49.5M · efficiency ratio beats 6% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.43% | 1.15% | 1.39% | 1.64% | Beats 10% | 28 / 31 | | |
| Return on Equity | 4.93% | 11.05% | 13.35% | 16.66% | Beats 10% | 28 / 31 | | |
| Net Interest Margin | 2.97% | 3.00% | 3.28% | 3.75% | Beats 19% | 25 / 31 | | |
| Efficiency Ratio | 84.38% | 37.25% | 50.71% | 61.60% | Beats 6% | 30 / 31 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.10% | 0.18% | 0.41% | 1.00% | Beats 13% | 28 / 31 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.11% | Beats 77% | 8 / 31 | | |
| Capital |
| Tier 1 Capital Ratio | 11.81% | 10.88% | 11.50% | 13.72% | Beats 52% | 15 / 31 | | |
| Total Risk-Based Capital Ratio | 13.03% | 11.53% | 12.02% | 14.77% | Beats 58% | 13 / 31 | | |
| Equity / Assets | 8.67% | 8.90% | 10.15% | 11.24% | Beats 13% | 27 / 31 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.82% | 80.56% | 87.67% | 94.53% | 45th pctl | 17 / 31 | | |
| Loans / Assets | 73.76% | 67.81% | 73.77% | 76.85% | 45th pctl | 17 / 31 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |