BlastPoint's Banking Scorecard
Peru Federal Savings Bank
Peru, IL
2 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 -1.3% year over year ($172.8M on the books).
- Delinquency rate 0.28%.
- Return on assets 0.77%.
- Efficiency ratio 64.64% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peru Federal Savings Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 18.2% in tier
- - Credit Quality Pressure: Bottom 19.0% in tier
- - Credit Risk Growth: Bottom 19.4% in tier
- - Flatlined Growth: Bottom 20.4% in tier
- - ROA 0.55% below tier average
- - Net Interest Margin 0.93% below tier average
- - Efficiency Ratio 0.16% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.5M
+0.1% YoY
-1.3% QoQ
|
-$178.1M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$111.4M
+5.7% YoY
+2.2% QoQ
|
-$146.9M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$172.8M
-1.3% YoY
-1.6% QoQ
|
-$153.9M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
0.77%
+2.8% YoY
+9.9% QoQ
|
-0.55% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.06%
+8.5% YoY
+3.4% QoQ
|
-0.93% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio ? |
64.64%
-1.0% YoY
+0.5% QoQ
|
+0.16% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.28%
+33.3% YoY
-4.3% QoQ
|
-0.64% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
64.48%
+7.1% YoY
+3.8% QoQ
|
-13.47% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
11.67%
+5.5% YoY
+1.4% QoQ
|
-10.36% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.8% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+40.8% YoY
-1.0% QoQ
|
-0.52% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
31.90%
+2.3% YoY
-2.2% QoQ
|
+15.99% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 3.4% in tier |
| Non-Interest Income / Assets ? |
0.18%
+7.6% YoY
+105.8% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
11.7%
+0.6pp YoY +0.2pp QoQ |
-10.5pp | 22.1% | 20.1% | 22.2% | 13% |
| 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 |
5.3%
-0.5pp YoY +0.3pp QoQ |
-6.2pp | 11.6% | 14.7% | 12.5% | 22% |
| CRE |
28.3%
+1.4pp YoY +0.2pp QoQ |
-11.3pp | 39.5% | 37.9% | 41.4% | 32% |
| 1-4 Family |
62.8%
+0.2pp YoY -0.2pp QoQ |
+30.2pp | 32.6% | 28.3% | 31.3% | 91% |
| Consumer |
3.0%
-0.9pp YoY -0.3pp QoQ |
-1.1pp | 4.1% | 5.4% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
31.9%
+0.7pp YoY -0.7pp QoQ |
+13.1pp | 18.8% | 19.9% | 19.7% | 94% |
| Leverage Ratio |
16.4%
+0.8pp YoY +0.3pp QoQ |
+4.3pp | 12.2% | 12.2% | 12.6% | 92% |
| Total Capital Ratio |
32.7%
+0.8pp YoY -0.7pp QoQ |
+12.8pp | 19.9% | 20.9% | 20.8% | 94% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
+2 (+8.7%) YoY +1 (+4.2%) QoQ |
-34 | 58 | 228 | 482 | 19% |
| Assets per Employee ($) |
$8.3M
-8.0% YoY -5.2% QoQ |
+$821K | $7.5M | $8.3M | $8.8M | 72% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 1.1% | 1.0% | 36% |
| Allowance Coverage |
2.77x
-24.9% YoY +4.7% QoQ |
-21.38x | 24.15x | 5.62x | 20.23x | 56% |
| Net Charge-off Rate (YTD) | 0.0% | -0.1pp | 0.1% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.0%
-0.2pp YoY +0.4pp QoQ |
-7.2pp | 12.2% | 10.5% | 11.6% | 14% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 42% |
| Net Income ($, YTD) |
$806,000
+5.4% YoY — QoQ |
-$1.7M | $2.6M | $11.7M | $40.4M | 20% |
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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 (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.