BlastPoint's Banking Scorecard
Peoples Bank of Kankakee County
Bourbonnais, IL
3 branches across IL
Peoples Bank of Kankakee County has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 4.6% in tier
- - Non-Interest-Bearing Deposit Share 13.71% below tier average
- - Net Interest Margin 0.78% below tier average
- - Efficiency Ratio 10.79% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$372.2M
+6.5% YoY
+2.8% QoQ
|
-$13.9M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$158.0M
+3.1% YoY
-0.1% QoQ
|
-$97.7M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$314.9M
+3.9% YoY
+2.2% QoQ
|
-$13.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
0.92%
-84.2% YoY
+48.4% QoQ
|
-0.35% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.15%
+34.9% YoY
+11.7% QoQ
|
-0.78% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
76.08%
+154.3% YoY
+35.8% QoQ
|
+10.79% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.02%
-83.1% YoY
+0.1% QoQ
|
-0.87% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
50.17%
-0.7% YoY
-2.3% QoQ
|
-26.47% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 9.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.31%
-3.4% YoY
+3.7% QoQ
|
-13.71% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.7% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-83.6% YoY
-2.7% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 13.7% in tier |
| Tier 1 Capital Ratio ? |
13.56%
-15.7% YoY
-3.2% QoQ
|
-2.27% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.25%
-85.6% YoY
-89.5% QoQ
|
-0.03% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 8.8% in tier |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.