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Peoplefirst Bank

Joliet, IL · Cert 58597 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · PFB Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$265.6MAssets
$185.1MLoans
$211.1MDeposits
$31.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 67% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 19 of 57).
  • Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 47 of 56).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.11%

Rank 19 of 57

Net Interest Margin

3.25%

Rank 39 of 57

Efficiency Ratio

66.03%

Rank 24 of 57

Equity / Assets

11.86%

Rank 28 of 57

Non-interest income vs. expense

$4.2M$8.3MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 60% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 66.03%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.11%0.51%0.84%1.19%Beats 67%19 / 57
Return on Equity9.34%3.13%7.76%11.40%Beats 63%21 / 57
Net Interest Margin3.25%3.16%3.63%4.08%Beats 32%39 / 57
Efficiency Ratio66.03%59.57%69.70%81.06%Beats 60%24 / 57
Asset Quality
Nonperforming Loans / Loans0.13%0.06%0.34%1.78%Beats 62%22 / 56
Net Charge-Offs / Loans0.04%n/a0.00%0.01%Beats 18%47 / 56
Capital
Tier 1 Capital Ratio16.31%12.24%16.06%19.69%Beats 51%28 / 57
Total Risk-Based Capital Ratio17.56%12.54%16.50%20.95%Beats 54%26 / 57
Equity / Assets11.86%9.37%11.56%15.00%Beats 51%28 / 57
Liquidity & Funding
Loans / Deposits87.70%66.29%85.59%95.16%56th pctl25 / 57
Loans / Assets69.70%57.07%71.07%78.13%46th pctl31 / 57
Brokered Deposits / Depositsn/aNot reported for this institution