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Peoples Bank & Trust

$100M-$1B Specialty: Agricultural IL FDIC cert 17320

Pana, IL

14 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 +6.6% year over year ($522.2M on the books).
  • Delinquency rate 1.60%.
  • Return on assets 2.16%.
  • Efficiency ratio 43.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.17% 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) →

Peoples Bank & Trust has 4 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

  • + Revenue Diversifier: Top 39.8% in tier
  • + Profitability Leader: Top 48.9% in tier
  • + Net Interest Margin 1.17% above tier average
  • + Efficiency Ratio 20.49% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 48.4% in tier
Get updates when Peoples Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $656.6M
+11.0% YoY +7.4% QoQ
+$270.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
85%
Total Loans ? $418.6M
+9.2% YoY +1.6% QoQ
+$160.3M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $522.2M
+6.6% YoY +5.0% QoQ
+$195.5M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 2.16%
+6.6% YoY +10.3% QoQ
+0.84% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 9.6% in tier
Net Interest Margin ? 5.15%
+3.6% YoY +6.0% QoQ
+1.17% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Top 6.1% in tier
Efficiency Ratio ? 43.99%
-3.9% YoY -3.5% QoQ
-20.49% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 7.6% in tier
Delinquency Rate ? 1.60%
+17.8% YoY +35.8% QoQ
+0.68% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 80.17%
+2.4% YoY -3.3% QoQ
+2.22% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 27.31%
-0.5% YoY -8.2% QoQ
+5.28% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 1.02%
+15.8% YoY +28.2% QoQ
+0.35% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
20%
Tier 1 Capital Ratio ? 16.48%
+1.9% YoY +18.2% QoQ
+0.57% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.36%
+23.3% YoY +59.8% QoQ
-0.21% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
81%

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 27.3%
-0.1pp YoY
-2.4pp QoQ
 +5.2pp 22.1% 20.1% 22.2% 74%
Brokered Deposits 0.2%
-0.2pp YoY
+0.1pp QoQ
 -7.6pp 7.9% 8.0% 8.5% 8%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 36.0%
+1.3pp YoY
+2.5pp QoQ
 +24.4pp 11.6% 14.7% 12.5% 98%
CRE 20.0%
-1.6pp YoY
-3.5pp QoQ
 -19.6pp 39.5% 37.9% 41.4% 18%
1-4 Family 7.9%
-1.1pp YoY
-0.3pp QoQ
 -24.7pp 32.6% 28.3% 31.3% 8%
Consumer 1.1%
-0.4pp YoY
0.0pp QoQ
 -3.0pp 4.1% 5.4% 5.0% 31%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 16.5%
+0.3pp YoY
+2.5pp QoQ
 -2.3pp 18.8% 19.9% 19.7% 61%
Leverage Ratio 10.7%
+0.5pp YoY
+1.7pp QoQ
 -1.4pp 12.2% 12.2% 12.6% 45%
Total Capital Ratio 17.5%
+0.2pp YoY
+2.5pp QoQ
 -2.4pp 19.9% 20.9% 20.8% 60%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 83
+2 (+2.5%) YoY
+7 (+9.2%) QoQ
 +24 58 228 482 79%
Assets per Employee ($) $7.9M
+8.4% YoY
-1.7% QoQ
 +$393K $7.5M $8.3M $8.8M 67%
Branch Count 14
0 YoY
0 QoQ
 +9 4 10 18 97%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.4pp YoY
 +0.2pp 0.3% 0.4% 0.4% 83%
Nonaccrual 1.1%
-0.2pp YoY
-0.1pp QoQ
 +0.2pp 0.9% 1.1% 1.0% 74%
Allowance Coverage 0.61x
-22.3% YoY
-28.0% QoQ
 -23.55x 24.15x 5.62x 20.23x 14%
Net Charge-off Rate (YTD) 0.0%
+0.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 22.1%
+2.2pp YoY
+1.1pp QoQ
 +9.9pp 12.2% 10.5% 11.6% 93%
Cost of Funds (YTD) 1.1%
-0.3pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 16%
Net Income ($, YTD) $6.8M
+13.2% YoY
— QoQ
 +$4.2M $2.6M $11.7M $40.4M 95%

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 (2)

Revenue Diversifier

growth
#264 of 661 • Top 39.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.36%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.16%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#324 of 661 • Top 48.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.16%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk
#454 of 936 • Bottom 48.4% 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

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 (7 metrics)

161
Net Interest Margin
profitability
Value: 5.15%
Peer Median: 3.99%
#161 of 2643 Top 6.1% in $100M-$1B
202
Efficiency Ratio
profitability
Value: 43.99%
Peer Median: 64.48%
#202 of 2643 Top 7.6% in $100M-$1B
256
Return on Assets
profitability
Value: 2.16%
Peer Median: 1.32%
#256 of 2643 Top 9.6% in $100M-$1B
403
Total Assets
size
Value: $656.60M
Peer Median: $386.57M
#403 of 2643 Top 15.2% in $100M-$1B
477
Total Deposits
size
Value: $522.19M
Peer Median: $326.73M
#477 of 2643 Top 18.0% in $100M-$1B
503
Total Loans
size
Value: $418.63M
Peer Median: $258.35M
#503 of 2643 Top 19.0% in $100M-$1B
504
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#504 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (2 metrics)

2175
Delinquency Rate
credit_quality
Value: 1.60%
Peer Median: 0.92%
#2175 of 2633 Bottom 17.4% in $100M-$1B
2117
Nonperforming Asset Ratio
credit_quality
Value: 1.02%
Peer Median: 0.67%
#2117 of 2643 Bottom 19.9% in $100M-$1B
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