| Metric | PeopleFirst Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.7 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.6 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $265.6M | $211.1M | $182.7M | $31.5M | $1.5M | 1.14% | 3.88% | 0.09% |
| Q1 2026 | $244.4M | $191.3M | $173.3M | $30.8M | $630K | 0.99% | 3.88% | 0.11% |
| Q4 2025 | $264.3M | $216.4M | $173.1M | $30.5M | $2.6M | 1.01% | 3.79% | 0.13% |
| Q3 2025 | $262.4M | $213.6M | $176.3M | $30.5M | $2.6M | 1.33% | 3.70% | 0.29% |
| Q2 2025 | $259.8M | $212.7M | $170.5M | $29.9M | $1.8M | 1.42% | 3.61% | 0.26% |
| Q1 2025 | $245.4M | $194.3M | $173.1M | $28.7M | $578K | 0.91% | 3.39% | 1.09% |
| Q4 2024 | $264.9M | $229.0M | $169.6M | $28.3M | $2.4M | 0.95% | 3.06% | 0.93% |
| Q3 2024 | $255.9M | $216.0M | $165.9M | $28.2M | $1.9M | 1.00% | 3.05% | 0.82% |
Loan mix (Q2 2026): real estate $175.4M · commercial $9.8M · consumer $58K · securities $21.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | PeopleFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 62.9% | 59th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | PeopleFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | PeopleFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | PeopleFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | PeopleFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | PeopleFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $211.1M branch deposits. Biggest market: Will, IL, ranked 20th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Will, IL | 2 | $211.1M | 0.86% | 20th |
Illinois: 248th with 0.03% · Chicago-Naperville-Elgin metro: 122nd, 0.03% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (24 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).