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The Peoples State Bank of Newton, Illinois

$100M-$1B Specialty: Agricultural IL FDIC cert 11722

Newton, IL

9 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +0.5% year over year ($577.9M on the books).
  • Delinquency rate 0.55%.
  • Return on assets 1.48%.
  • Efficiency ratio 46.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

The Peoples State Bank of Newton, Illinois has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.16% above tier average
  • + Efficiency Ratio 18.40% below tier average
  • + Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 30.6% in tier
  • - Credit Quality Pressure: Bottom 49.7% in tier
  • - Net Interest Margin 0.19% below tier average
Get updates when The Peoples State Bank of Newton, Illinois releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $736.7M
+6.1% YoY +1.1% QoQ
+$350.1M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 10.7% in tier
Total Loans ? $494.3M
+3.8% YoY -0.1% QoQ
+$235.9M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Top 12.0% in tier
Total Deposits ? $577.9M
+0.5% YoY +0.5% QoQ
+$251.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 13.7% in tier
Return on Assets ? 1.48%
+26.5% YoY -0.8% QoQ
+0.16% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 3.80%
+15.1% YoY +3.2% QoQ
-0.19% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 46.07%
-10.8% YoY +5.1% QoQ
-18.40% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 10.3% in tier
Delinquency Rate ? 0.55%
+199.8% YoY -32.5% QoQ
-0.37% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 85.53%
+3.2% YoY -0.6% QoQ
+7.58% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 19.99%
+9.1% YoY -1.4% QoQ
-2.04% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 0.37%
+123.8% YoY -33.1% QoQ
-0.30% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
46%
Tier 1 Capital Ratio ? 13.52%
+20.4% YoY +17.6% QoQ
-2.39% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.23%
+0.7% YoY +103.7% QoQ
-0.34% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
59%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 20.0%
+1.7pp YoY
-0.3pp QoQ
 -2.2pp 22.1% 20.1% 22.2% 45%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 19.8%
-0.7pp YoY
0.0pp QoQ
 +8.3pp 11.6% 14.7% 12.5% 88%
CRE 20.9%
+2.0pp YoY
+0.4pp QoQ
 -18.7pp 39.5% 37.9% 41.4% 20%
1-4 Family 16.7%
+1.0pp YoY
+0.2pp QoQ
 -15.9pp 32.6% 28.3% 31.3% 23%
Consumer 2.7%
-0.1pp YoY
+0.1pp QoQ
 -1.4pp 4.1% 5.4% 5.0% 57%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 13.5%
+2.3pp YoY
+2.0pp QoQ
 +1.3pp 12.2% 12.2% 12.6% 79%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 96
-3 (-3.0%) YoY
-1 (-1.0%) QoQ
 +37 58 228 482 85%
Assets per Employee ($) $7.7M
+9.5% YoY
+2.2% QoQ
 +$156K $7.5M $8.3M $8.8M 64%
Branch Count 9
0 YoY
0 QoQ
 +4 4 10 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.6%
+0.4pp YoY
+0.1pp QoQ
 -0.4pp 0.9% 1.1% 1.0% 55%
Allowance Coverage 2.49x
-60.8% YoY
+54.9% QoQ
 -21.66x 24.15x 5.62x 20.23x 54%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 14.3%
+0.7pp YoY
-1.2pp QoQ
 +2.1pp 12.2% 10.5% 11.6% 64%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
-0.1pp QoQ
 0.0pp 1.7% 1.6% 1.7% 54%
Net Income ($, YTD) $5.4M
+32.2% YoY
— QoQ
 +$2.8M $2.6M $11.7M $40.4M 89%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#287 of 936 • Bottom 30.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#625 of 1256 • Bottom 49.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.55%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

274
Efficiency Ratio
profitability
Value: 46.07%
Peer Median: 64.48%
#274 of 2643 Top 10.3% in $100M-$1B
284
Total Assets
size
Value: $736.71M
Peer Median: $386.57M
#284 of 2643 Top 10.7% in $100M-$1B
319
Total Loans
size
Value: $494.28M
Peer Median: $258.35M
#319 of 2643 Top 12.0% in $100M-$1B
363
Total Deposits
size
Value: $577.91M
Peer Median: $326.73M
#363 of 2643 Top 13.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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