BlastPoint's Banking Scorecard

Peoples Bank & Trust

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

Pana, IL

14 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in 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 31.5% in tier
+ Deposit Franchise: Top 74.3% in tier
+ Efficiency Ratio 19.71% below tier average
+ ROA 0.69% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.29% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$611.5M +3.3% YoY -1.1% QoQ	+$225.4M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$412.2M +4.6% YoY -0.9% QoQ	+$156.5M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$497.4M +4.2% YoY -0.7% QoQ	+$169.4M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.96% -0.5% YoY +23.5% QoQ	+0.69%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 13.3% in tier
Net Interest Margin ?	4.86% -0.8% YoY -0.4% QoQ	+0.93%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Top 9.4% in tier
Efficiency Ratio ?	45.58% +3.3% YoY -4.0% QoQ	-19.71%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 9.5% in tier
Delinquency Rate ?	1.17% -19.1% YoY -0.1% QoQ	+0.29%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	82.87% +0.5% YoY -0.1% QoQ	+6.23%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	29.75% +5.3% YoY +7.3% QoQ	+7.73%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.79% -17.9% YoY +0.3% QoQ	+0.16%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	13.94% -12.2% YoY +3.4% QoQ	-1.89%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.23% +51.2% YoY -68.6% QoQ	-0.05%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 10.9% in tier

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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 (2)

Revenue Diversifier

growth

#211 of 666 • Top 31.5% 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: 0.23%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.96%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#203 of 272 • Top 74.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 29.75%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.86%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

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 (8 metrics)

252

Net Interest Margin

profitability

Value: 4.86%

Peer Median: 3.93%

#252 of 2664 Top 9.4% in $100M-$1B

254

Efficiency Ratio

profitability

Value: 45.58%

Peer Median: 65.29%

#254 of 2664 Top 9.5% in $100M-$1B

292

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#292 of 2664 Top 10.9% in $100M-$1B

356

Return on Assets

profitability

Value: 1.96%

Peer Median: 1.27%

#356 of 2664 Top 13.3% in $100M-$1B

500

Total Assets

size

Value: $611.50M

Peer Median: $386.08M

#500 of 2664 Top 18.7% in $100M-$1B

507

Non-Interest-Bearing Deposit Share

funding

Value: 29.75%

Peer Median: 22.02%

#507 of 2664 Top 19.0% in $100M-$1B

511

Total Loans

size

Value: $412.17M

Peer Median: $255.72M

#511 of 2664 Top 19.1% in $100M-$1B

552

Total Deposits

size

Value: $497.37M

Peer Median: $327.97M

#552 of 2664 Top 20.7% in $100M-$1B

Top Weaknesses (1 metrics)

2005

Delinquency Rate

credit_quality

Value: 1.17%

Peer Median: 0.89%

#2005 of 2654 Bottom 24.5% in $100M-$1B