BlastPoint's Banking Scorecard
Peoples Bank of Macon
Designations: ✓ Community bank
Macon, IL
Peoples Bank of Macon has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.16% below tier average
- + Delinquency Rate 1.21% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Net Interest Margin 1.02% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.6M
-0.8% YoY
-2.9% QoQ
|
-$38.7M |
$62.3M
-0.5% YoY
|
$2.3B
+4.2% YoY
|
$6.2B
+9.0% YoY
|
Bottom 6.3% in tier |
| Total Loans ? |
$5.9M
-2.6% YoY
-2.2% QoQ
|
-$28.4M |
$34.3M
-1.5% YoY
|
$1.2B
+5.0% YoY
|
$3.2B
+10.7% YoY
|
Bottom 6.7% in tier |
| Total Deposits ? |
$20.4M
+0.2% YoY
-1.9% QoQ
|
-$31.4M |
$51.8M
-0.6% YoY
|
$1.9B
+3.6% YoY
|
$4.8B
+8.0% YoY
|
Bottom 9.7% in tier |
| Return on Assets ? |
0.32%
-50.8% YoY
-41.9% QoQ
|
-0.54% |
0.86%
-3.6% YoY
|
1.04%
+2.4% YoY
|
1.24%
+13.1% YoY
|
23% |
| Net Interest Margin ? |
2.85%
-0.3% YoY
-5.9% QoQ
|
-1.02% |
3.87%
+2.7% YoY
|
3.61%
+7.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio ? |
86.47%
+16.4% YoY
+10.4% QoQ
|
-1.16% |
87.63%
+2.3% YoY
|
63.68%
-7.1% YoY
|
66.84%
-3.8% YoY
|
24% |
| Delinquency Rate ? | 0.15% | -1.21% |
1.36%
+33.7% YoY
|
1.15%
+15.2% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
29.05%
-2.8% YoY
-0.3% QoQ
|
-35.06% |
64.11%
-0.9% YoY
|
71.92%
+0.7% YoY
|
76.69%
+0.9% YoY
|
Top 8.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.56%
+5.7% YoY
+8.7% QoQ
|
+0.77% |
23.79%
+0.5% YoY
|
20.45%
-1.0% YoY
|
22.01%
-1.1% YoY
|
55% |
| Nonperforming Asset Ratio ? | 0.04% | -0.74% |
0.77%
+28.7% YoY
|
0.78%
+18.6% YoY
|
0.66%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.11%
+3.0% YoY
+6.0% QoQ
|
-13.67% |
26.77%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.03%
-11.8% YoY
-65.7% QoQ
|
-0.64% |
0.67%
+1.6% YoY
|
0.34%
+6.6% YoY
|
0.32%
+4.0% YoY
|
23% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.