| Metric | Peoples Bank of Macon | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +3.0% | -6.3 pts |
| Deposit growth (YoY) | -2.7% | +2.5% | -5.2 pts |
| Loan growth (YoY) | -2.0% | +2.6% | -4.6 pts |
| ROA | 0.30% | 0.99% | -0.7 pts |
| ROE | 2.3% | 8.1% | -5.8 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.7M | $19.5M | $6.4M | $3.1M | $35K | 0.30% | 2.89% | 0.00% |
| Q1 2026 | $23.6M | $20.4M | $5.9M | $3.1M | $19K | 0.32% | 2.85% | 0.04% |
| Q4 2025 | $24.3M | $20.8M | $6.1M | $3.0M | $132K | 0.55% | 3.03% | 0.00% |
| Q3 2025 | $24.7M | $21.3M | $6.3M | $3.1M | $103K | 0.57% | 3.01% | 0.00% |
| Q2 2025 | $23.5M | $20.1M | $6.5M | $3.1M | $65K | 0.54% | 2.90% | 0.00% |
| Q1 2025 | $23.8M | $20.4M | $6.1M | $3.1M | $39K | 0.65% | 2.86% | 0.00% |
| Q4 2024 | $24.5M | $20.6M | $5.8M | $3.0M | $217K | 0.83% | 2.97% | 0.00% |
| Q3 2024 | $27.8M | $23.9M | $6.3M | $3.1M | $166K | 0.83% | 2.88% | 0.00% |
Loan mix (Q2 2026): real estate $903K · commercial $2.1M · consumer $1.8M · securities $9.5M
| Ratio | Peoples Bank of Macon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.99% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 8.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 70.8% | 80th |
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 | Peoples Bank of Macon | 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 | Peoples Bank of Macon | 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 | Peoples Bank of Macon | 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 | Peoples Bank of Macon | 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 | Peoples Bank of Macon | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $19.5M branch deposits. Biggest market: Macon, IL, ranked 18th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Macon, IL | 1 | $19.5M | 0.63% | 18th |
Illinois: 498th with 0.00% · Decatur metro: 18th, 0.63% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1