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Peoples Bank of Kankakee County

$100M-$1B Specialty: Commercial IL FDIC cert 18566

Bourbonnais, IL

3 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 +8.4% year over year ($328.3M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 0.94%.
  • Efficiency ratio 72.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 51.26% 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 of Kankakee County has 1 strength but faces 6 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

  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 6.2% in tier
  • - Credit Risk Growth: Bottom 23.1% in tier
  • - Credit Quality Pressure: Bottom 32.8% in tier
  • - Non-Interest-Bearing Deposit Share 13.88% below tier average
  • - Net Interest Margin 0.61% below tier average
  • - Efficiency Ratio 8.49% above tier average
Get updates when Peoples Bank of Kankakee County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $375.6M
+7.9% YoY +0.9% QoQ
-$11.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $168.3M
+4.8% YoY +6.5% QoQ
-$90.1M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $328.3M
+8.4% YoY +4.3% QoQ
+$1.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 0.94%
-42.3% YoY +2.7% QoQ
-0.38% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 3.38%
+31.6% YoY +7.2% QoQ
-0.61% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 72.97%
+63.9% YoY -4.1% QoQ
+8.49% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 0.32%
+157.2% YoY
-0.60% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 51.26%
-3.4% YoY +2.2% QoQ
-26.69% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 9.1% in tier
Non-Interest-Bearing Deposit Share ? 8.15%
+2.0% YoY -1.9% QoQ
-13.88% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 7.4% in tier
Nonperforming Asset Ratio ? 0.14%
+149.8% YoY
-0.53% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 12.02%
-15.1% YoY -11.4% QoQ
-3.89% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.48%
-76.1% YoY +88.9% QoQ
-0.09% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 10.0% in tier

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 8.2%
+0.2pp YoY
-0.2pp QoQ
 -14.0pp 22.1% 20.1% 22.2% 7%
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 11.0%
+0.2pp YoY
+0.4pp QoQ
 -0.5pp 11.6% 14.7% 12.5% 59%
CRE 51.9%
+0.1pp YoY
0.0pp QoQ
 +12.3pp 39.5% 37.9% 41.4% 73%
1-4 Family 27.1%
+0.9pp YoY
+0.4pp QoQ
 -5.5pp 32.6% 28.3% 31.3% 45%
Consumer 6.8%
-0.8pp YoY
-0.4pp QoQ
 +2.7pp 4.1% 5.4% 5.0% 85%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 12.0%
-2.1pp YoY
-1.5pp QoQ
 -6.8pp 18.8% 19.9% 19.7% 17%
Leverage Ratio 7.7%
-0.6pp YoY
-0.1pp QoQ
 -4.5pp 12.2% 12.2% 12.6% 1%
Total Capital Ratio 12.9%
-2.2pp YoY
-1.6pp QoQ
 -7.0pp 19.9% 20.9% 20.8% 15%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 63
+3 (+5.0%) YoY
+2 (+3.3%) QoQ
 +4 58 228 482 66%
Assets per Employee ($) $6.0M
+2.7% YoY
-2.3% QoQ
 -$1.6M $7.5M $8.3M $8.8M 33%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

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 0.3%
+0.2pp YoY
+0.3pp QoQ
 -0.6pp 0.9% 1.1% 1.0% 40%
Allowance Coverage 4.20x
-59.4% YoY
-92.9% QoQ
 -19.95x 24.15x 5.62x 20.23x 66%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 15.8%
-18.1pp YoY
+0.6pp QoQ
 +3.6pp 12.2% 10.5% 11.6% 72%
Cost of Funds (YTD) 1.5%
-0.4pp YoY
-0.1pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 37%
Net Income ($, YTD) $1.7M
-38.1% YoY
— QoQ
 -$815K $2.6M $11.7M $40.4M 47%

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 (3)

Margin Compression

decline
#20 of 307 • Bottom 6.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.94%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#217 of 936 • Bottom 23.1% 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

Credit Quality Pressure

risk
#413 of 1256 • Bottom 32.8% in tier

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

Why this signature
Delinquency Rate: 0.32%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 (2 metrics)

242
Loan-to-Deposit Ratio
liquidity
Value: 51.26%
Peer Median: 77.95%
#242 of 2643 Top 9.1% in $100M-$1B
266
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 0.57%
#266 of 2643 Top 10.0% in $100M-$1B

Top Weaknesses (3 metrics)

2448
Non-Interest-Bearing Deposit Share
funding
Value: 8.15%
Peer Median: 22.03%
#2448 of 2643 Bottom 7.4% in $100M-$1B
2047
Net Interest Margin
profitability
Value: 3.38%
Peer Median: 3.99%
#2047 of 2643 Bottom 22.6% in $100M-$1B
2013
Efficiency Ratio
profitability
Value: 72.97%
Peer Median: 64.48%
#2013 of 2643 Bottom 23.9% in $100M-$1B
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