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 1.87% below tier average
- + Delinquency Rate 1.22% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Net Interest Margin 1.01% 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
|
-$38.6M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.7% in tier |
| Total Loans ? |
$5.9M
-2.6% YoY
-2.2% QoQ
|
-$28.3M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.8% in tier |
| Total Deposits ? |
$20.4M
+0.2% YoY
-1.9% QoQ
|
-$31.3M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.0% in tier |
| Return on Assets ? |
0.32%
-50.8% YoY
-41.9% QoQ
|
-0.52% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
2.85%
-0.3% YoY
-5.9% QoQ
|
-1.01% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio ? |
86.47%
+16.4% YoY
+10.4% QoQ
|
-1.87% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? | 0.15% | -1.22% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
29.05%
-2.8% YoY
-0.3% QoQ
|
-35.17% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 8.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.56%
+5.7% YoY
+8.7% QoQ
|
+0.84% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? | 0.04% | -0.75% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.11%
+3.0% YoY
+6.0% QoQ
|
-13.58% |
26.68%
+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%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% 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.