BlastPoint's Banking Scorecard
Peoples Bank of Macon
Designations: ✓ Community bank
Macon, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -2.7% year over year ($19.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.30%.
- Efficiency ratio 87.80% vs a 119.40% peer average.
- Loan-to-deposit ratio 32.72% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank of Macon has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 31.60% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Net Interest Margin 1.02% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.7M
-3.3% YoY
-3.7% QoQ
|
-$39.7M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.6% in tier |
| Total Loans ? |
$6.4M
-2.0% YoY
+7.7% QoQ
|
-$28.5M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.8% in tier |
| Total Deposits ? |
$19.5M
-2.7% YoY
-4.4% QoQ
|
-$32.1M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.5% in tier |
| Return on Assets ? |
0.30%
-45.2% YoY
-6.3% QoQ
|
-0.70% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
2.89%
-0.4% YoY
+1.4% QoQ
|
-1.02% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio ? |
87.80%
+12.5% YoY
+1.5% QoQ
|
-31.60% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
32.72%
+0.7% YoY
+12.7% QoQ
|
-41.49% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 10.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.12%
+2.0% YoY
-1.8% QoQ
|
+0.63% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.84% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.57%
+1.8% YoY
+3.5% QoQ
|
-13.56% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.05%
-5.2% YoY
+63.2% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
17% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
24.1%
+0.5pp YoY -0.4pp QoQ |
-0.5pp | 24.6% | 20.1% | 22.2% | 51% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
32.6%
-3.2pp YoY -2.7pp QoQ |
+19.2pp | 13.4% | 14.7% | 12.5% | 93% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
6.0%
+1.3pp YoY +1.6pp QoQ |
-29.0pp | 35.0% | 28.3% | 31.3% | 16% |
| Consumer |
28.6%
+2.3pp YoY -0.8pp QoQ |
+21.0pp | 7.7% | 5.4% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
13.6%
+0.2pp YoY +0.5pp QoQ |
-4.1pp | 17.7% | 12.2% | 12.6% | 58% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 228 | 482 | 2% |
| Assets per Employee ($) |
$5.7M
-3.3% YoY -3.7% QoQ |
-$514K | $6.2M | $8.3M | $8.8M | 45% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.3%
-2.0pp YoY -0.2pp QoQ |
-4.1pp | 6.4% | 10.5% | 11.6% | 20% |
| Cost of Funds (YTD) |
0.9%
+0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.6% | 1.7% | 19% |
| Net Income ($, YTD) |
$35,000
-46.2% YoY — QoQ |
-$283K | $317,817 | $11.7M | $40.4M | 15% |
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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.