PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoplefirst Bank

Joliet, IL · Cert 58597 · PFB Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$265.6MAssets
$185.1MLoans
$211.1MDeposits
$31.5MEquity
Loan mix
96%RE $168.5M4%C&I $6.9M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $155.3M26%Noninterest $55.8MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.58%Q2 ’255.36%Q2 ’26+36%-2%

Non-interest income vs. expense

3.36%Q2 ’242.86%Q2 ’253.17%Q2 ’26-32%+57%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #94 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of 1.32%, down 66 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.13% of loans (-26 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 12.35%, up 31 bps from a year ago.
  • Funding: loans stand at 87.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.32%-66 bps YoY

Net Interest Margin (quarter, annualized)

3.30%-8 bps YoY

Efficiency Ratio (quarter, annualized)

62.69%+917 bps YoY

Tier 1 Leverage Ratio

12.35%+31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%1.15%0.05%0.99%1.32%-66 bps
Return on Equity17.02%9.95%0.45%8.23%10.80%-622 bps
Net Interest Margin3.38%3.37%3.46%3.21%3.30%-8 bps
Efficiency Ratio53.52%67.22%35.62%69.59%62.69%+917 bps
Non-Interest Burden0.90%1.66%0.12%1.77%1.41%+51 bps
Growth
Asset Growth (YoY)-2.98%2.51%-0.21%-0.40%2.25%+523 bps
Loan Growth (YoY)-3.58%6.20%2.04%0.06%7.15%+1,073 bps
Deposit Growth (YoY)-6.60%-1.11%-5.49%-1.54%-0.73%+587 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.42%0.20%0.15%0.13%-26 bps
Net Charge-Offs / Loans-0.11%-0.01%4.95%0.10%-0.03%+7 bps
Allowance / Loans1.30%1.30%1.32%1.34%1.31%+1 bps
Allowance Coverage of NPLs3.3x3.1x6.6x8.9x10.0x+6.7x
Capital
Tier 1 Leverage Ratio12.04%11.91%11.75%12.10%12.35%+31 bps
Total Risk-Based Capital17.72%17.42%17.63%18.01%17.56%-16 bps
Equity / Assets11.50%11.64%11.54%12.59%11.86%+36 bps
Liquidity & Funding
Loans / Deposits81.25%83.64%81.05%91.78%87.70%+644 bps
Liquid Assets / Assets13.31%10.21%8.49%2.87%6.28%-703 bps
CRE / Total Capitaln/a462%475%475%n/an/a