BlastPoint's Banking Scorecard

The Peoples State Bank of Newton, Illinois

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

Newton, IL

9 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

The Peoples State Bank of Newton, Illinois has 3 strengths but faces 1 concern

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

+ Efficiency Ratio 21.46% below tier average
+ ROA 0.22% above tier average
+ Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.25% below tier average

Get updates when The Peoples State Bank of Newton, Illinois releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$728.5M +3.8% YoY +1.2% QoQ	+$342.4M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 11.1% in tier
Total Loans ?	$494.8M +6.2% YoY -1.9% QoQ	+$239.1M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 11.5% in tier
Total Deposits ?	$575.0M -0.9% YoY +2.1% QoQ	+$247.0M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 14.3% in tier
Return on Assets ?	1.49% +29.2% YoY +27.3% QoQ	+0.22%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	3.68% +14.0% YoY +6.3% QoQ	-0.25%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	43.83% -10.9% YoY -13.1% QoQ	-21.46%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 7.7% in tier
Delinquency Rate ?	0.82% +246.1% YoY +115.9% QoQ	-0.07%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	86.05% +7.2% YoY -3.9% QoQ	+9.41%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	20.28% +7.1% YoY +9.1% QoQ	-1.74%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.56% +197.6% YoY +107.9% QoQ	-0.08%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	11.49% +5.7% YoY +2.1% QoQ	-4.34%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.11% +6.0% YoY -75.7% QoQ	-0.17%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

206

Efficiency Ratio

profitability

Value: 43.83%

Peer Median: 65.29%

#206 of 2664 Top 7.7% in $100M-$1B

298

Total Assets

size

Value: $728.51M

Peer Median: $386.08M

#298 of 2664 Top 11.1% in $100M-$1B

307

Total Loans

size

Value: $494.80M

Peer Median: $255.72M

#307 of 2664 Top 11.5% in $100M-$1B

383

Total Deposits

size

Value: $575.00M

Peer Median: $327.97M

#383 of 2664 Top 14.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available