BlastPoint's Banking Scorecard
Peru Federal Savings Bank
Peru, IL
2 branches across IL
Peru Federal Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.97% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 7.1% in tier
- - Liquidity Overhang: Bottom 16.8% in tier
- - ROA 0.57% below tier average
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$211.1M
+2.7% YoY
+1.8% QoQ
|
-$175.0M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$109.0M
+9.6% YoY
+0.2% QoQ
|
-$146.7M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$175.6M
+1.5% YoY
+2.0% QoQ
|
-$152.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
0.70%
+18.4% YoY
-21.4% QoQ
|
-0.57% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
2.96%
+8.5% YoY
+2.5% QoQ
|
-0.97% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio ? |
64.32%
-7.5% YoY
+1.5% QoQ
|
-0.97% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
0.29%
-18.7% YoY
+25.5% QoQ
|
-0.60% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
62.10%
+7.9% YoY
-1.7% QoQ
|
-14.54% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
11.51%
-29.0% YoY
-0.3% QoQ
|
-10.51% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.9% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-13.3% YoY
+23.5% QoQ
|
-0.49% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
32.63%
+1.3% YoY
+2.9% QoQ
|
+16.80% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 2.9% in tier |
| Non-Interest Income / Assets ? |
0.09%
+14.5% YoY
-78.3% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
45% |
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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 (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.